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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 | $72,811 | $79,894-8.9% | $135,792-46.4% | $82,637-11.9% |
| Participation rate | 55.0% | 63.0%-8.0pp | 72.6%-17.6pp | 68.1%-13.1pp |
| Annual return | 15.31% | 17.20%-1.9pp | 25.96%-10.7pp | 53.51%-38.2pp |
| Employer contribution / active EE | $937 | $2,165-56.7% | $3,496-73.2% | $2,552-63.3% |
| Participant deferral / active EE | $2,558 | $3,194-19.9% | $4,759-46.3% | $4,126-38.0% |
| Admin fee / account holder | $5,132 | $6,434-20.2% | $12,266-58.2% | $7,339-30.1% |