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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 | $72,290 | $69,590+3.9% | $136,867-47.2% | $94,015-23.1% |
| Participation rate | 38.3% | 66.3%-28.0pp | 74.5%-36.2pp | 70.8%-32.5pp |
| Annual return | 12.72% | 19.62%-6.9pp | 42.97%-30.3pp | 17.84%-5.1pp |
| Employer contribution / active EE | $358 | $2,396-85.1% | $3,547-89.9% | $2,790-87.2% |
| Participant deferral / active EE | $1,477 | $3,437-57.0% | $4,924-70.0% | $4,249-65.2% |
| Admin fee / account holder | $7,098 | $8,912-20.4% | $10,340-31.4% | $8,951-20.7% |