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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 | $76,294 | $93,055-18.0% | $153,741-50.4% | $80,959-5.8% |
| Participation rate | 69.0% | 69.0%+0.1pp | 77.1%-8.0pp | 67.7%+1.4pp |
| Annual return | 11.31% | 19.97%-8.7pp | 15.71%-4.4pp | 35.67%-24.4pp |
| Employer contribution / active EE | $1,873 | $3,504-46.6% | $5,042-62.9% | $2,757-32.1% |
| Participant deferral / active EE | $3,937 | $5,172-23.9% | $6,757-41.7% | $4,300-8.4% |
| Admin fee / account holder | $8,490 | $8,881-4.4% | $12,749-33.4% | $6,925+22.6% |