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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 | $81,403-10.6% | $147,027-50.5% | $87,485-16.8% |
| Participation rate | 55.0% | 63.4%-8.4pp | 73.7%-18.7pp | 68.9%-13.9pp |
| Annual return | 15.31% | 16.51%-1.2pp | 20.23%-4.9pp | 26.06%-10.8pp |
| Employer contribution / active EE | $937 | $2,205-57.5% | $3,626-74.2% | $2,596-63.9% |
| Participant deferral / active EE | $2,558 | $3,315-22.9% | $4,933-48.1% | $4,274-40.1% |
| Admin fee / account holder | $5,132 | $6,755-24.0% | $12,223-58.0% | $7,775-34.0% |