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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 | $78,380 | $97,550-19.7% | $120,344-34.9% | $87,485-10.4% |
| Participation rate | 67.6% | 72.8%-5.3pp | 76.7%-9.1pp | 68.9%-1.4pp |
| Annual return | 16.59% | 18.41%-1.8pp | 20.30%-3.7pp | 26.06%-9.5pp |
| Employer contribution / active EE | $2,432 | $2,291+6.1% | $3,020-19.5% | $2,596-6.3% |
| Participant deferral / active EE | $4,851 | $4,230+14.7% | $5,135-5.5% | $4,274+13.5% |
| Admin fee / account holder | $956 | $9,543-90.0% | $12,742-92.5% | $7,775-87.7% |