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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 | $67,087 | $76,669-12.5% | $96,520-30.5% | $71,495-6.2% |
| Participation rate | 50.4% | 66.6%-16.2pp | 74.3%-23.9pp | 67.9%-17.5pp |
| Annual return | 19.55% | 48.29%-28.7pp | 35.72%-16.2pp | 28.85%-9.3pp |
| Employer contribution / active EE | $1,554 | $3,031-48.7% | $3,739-58.4% | $2,589-40.0% |
| Participant deferral / active EE | $3,751 | $3,771-0.5% | $4,879-23.1% | $4,291-12.6% |
| Admin fee / account holder | $2,121 | $2,028+4.6% | $6,733-68.5% | $1,588+33.6% |