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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 | $80,855-9.9% | $153,416-52.5% | $86,983-16.3% |
| Participation rate | 55.0% | 64.1%-9.1pp | 74.3%-19.3pp | 69.5%-14.5pp |
| Annual return | 15.31% | 16.18%-0.9pp | 17.84%-2.5pp | 25.83%-10.5pp |
| Employer contribution / active EE | $937 | $2,308-59.4% | $3,764-75.1% | $2,584-63.7% |
| Participant deferral / active EE | $2,558 | $3,333-23.2% | $4,723-45.8% | $4,194-39.0% |
| Admin fee / account holder | $5,132 | $6,908-25.7% | $13,095-60.8% | $7,856-34.7% |