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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 | $68,001 | $72,607-6.3% | $90,259-24.7% | $87,485-22.3% |
| Participation rate | 53.6% | 64.8%-11.2pp | 70.7%-17.2pp | 68.9%-15.4pp |
| Annual return | 19.15% | 18.59%+0.6pp | 18.88%+0.3pp | 26.06%-6.9pp |
| Employer contribution / active EE | $2,242 | $1,919+16.8% | $2,291-2.1% | $2,596-13.6% |
| Participant deferral / active EE | $3,640 | $3,055+19.2% | $3,827-4.9% | $4,274-14.8% |
| Admin fee / account holder | $2,905 | $5,947-51.2% | $7,267-60.0% | $7,775-62.6% |