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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 | $75,326 | $91,559-17.7% | $133,978-43.8% | $79,856-5.7% |
| Participation rate | 65.3% | 73.3%-8.0pp | 79.8%-14.5pp | 69.6%-4.3pp |
| Annual return | 15.81% | 61.85%-46.0pp | 45.10%-29.3pp | 31.71%-15.9pp |
| Employer contribution / active EE | $1,091 | $2,384-54.2% | $3,919-72.2% | $2,471-55.9% |
| Participant deferral / active EE | $3,849 | $3,734+3.1% | $5,047-23.8% | $3,741+2.9% |
| Admin fee / account holder | $1,663 | $6,321-73.7% | $8,930-81.4% | $5,306-68.7% |