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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 | $65,461 | $76,551-14.5% | $123,894-47.2% | $62,881+4.1% |
| Participation rate | 66.0% | 73.0%-7.0pp | 81.4%-15.5pp | 69.3%-3.3pp |
| Annual return | 8.44% | 18.68%-10.2pp | 47.52%-39.1pp | 20.14%-11.7pp |
| Employer contribution / active EE | $1,155 | $2,882-59.9% | $4,617-75.0% | $2,281-49.4% |
| Participant deferral / active EE | $2,807 | $4,840-42.0% | $5,984-53.1% | $3,203-12.4% |
| Admin fee / account holder | $774 | $4,826-84.0% | $8,357-90.7% | $4,296-82.0% |