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Participation rate is below 70% (account-balance holders / active employees) - enrollment or auto-enroll opportunity.
Administrative expenses exceed $300 per participant per year - possible fee-review opportunity. (Recordkeeping / audit / legal; excludes investment management.)
| Metric | This plan | Peer set | Industry | Size |
|---|---|---|---|---|
| Avg account balance | $69,666 | $83,061-16.1% | $126,068-44.7% | $94,015-25.9% |
| Participation rate | 59.3% | 81.2%-21.9pp | 84.7%-25.4pp | 70.8%-11.6pp |
| Annual return | 20.62% | 20.41%+0.2pp | 15.01%+5.6pp | 17.84%+2.8pp |
| Employer contribution / active EE | $3,005 | $2,864+4.9% | $3,968-24.3% | $2,790+7.7% |
| Participant deferral / active EE | $6,301 | $7,042-10.5% | $8,214-23.3% | $4,249+48.3% |
| Admin fee / account holder | $3,894 | $7,208-46.0% | $18,264-78.7% | $8,951-56.5% |