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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 | $66,337 | $86,940-23.7% | $102,434-35.2% | $80,935-18.0% |
| Participation rate | 64.7% | 72.4%-7.7pp | 76.5%-11.8pp | 67.7%-3.0pp |
| Annual return | 13.97% | 18.89%-4.9pp | 29.46%-15.5pp | 35.66%-21.7pp |
| Employer contribution / active EE | $1,859 | $2,370-21.6% | $3,023-38.5% | $2,757-32.6% |
| Participant deferral / active EE | $5,273 | $4,121+27.9% | $5,055+4.3% | $4,299+22.6% |
| Admin fee / account holder | $6,743 | $8,047-16.2% | $9,462-28.7% | $6,924-2.6% |