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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 | $80,862 | $73,988+9.3% | $96,538-16.2% | $75,177+7.6% |
| Participation rate | 64.0% | 66.4%-2.4pp | 74.3%-10.3pp | 67.2%-3.2pp |
| Annual return | 17.11% | 26.73%-9.6pp | 35.74%-18.6pp | 160.75%-143.6pp |
| Employer contribution / active EE | $1,756 | $2,930-40.1% | $3,740-53.0% | $2,671-34.2% |
| Participant deferral / active EE | $3,252 | $3,660-11.2% | $4,880-33.4% | $4,126-21.2% |
| Admin fee / account holder | $1,829 | $5,220-65.0% | $6,737-72.8% | $5,651-67.6% |