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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 | $65,524 | $71,197-8.0% | $93,669-30.0% | $80,925-19.0% |
| Participation rate | 62.2% | 60.4%+1.8pp | 68.7%-6.6pp | 67.7%-5.5pp |
| Annual return | 12.42% | 11.27%+1.2pp | 133.59%-121.2pp | 35.65%-23.2pp |
| Employer contribution / active EE | $1,568 | $1,565+0.2% | $2,424-35.3% | $2,756-43.1% |
| Participant deferral / active EE | $3,832 | $4,036-5.1% | $4,416-13.2% | $4,299-10.9% |
| Admin fee / account holder | $723 | $6,959-89.6% | $8,291-91.3% | $6,940-89.6% |