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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 | $59,944 | $67,602-11.3% | $82,312-27.2% | $70,126-14.5% |
| Participation rate | 67.3% | 72.8%-5.4pp | 76.9%-9.5pp | 69.5%-2.2pp |
| Annual return | 14.19% | 21.57%-7.4pp | 25.88%-11.7pp | 73.15%-59.0pp |
| Employer contribution / active EE | $696 | $1,755-60.4% | $2,428-71.4% | $2,343-70.3% |
| Participant deferral / active EE | $1,918 | $2,987-35.8% | $3,706-48.2% | $3,332-42.4% |
| Admin fee / account holder | $7,304 | $4,512+61.9% | $5,608+30.3% | $4,645+57.2% |