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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 | $66,651 | $81,233-18.0% | $155,567-57.2% | $80,874-17.6% |
| Participation rate | 60.0% | 66.2%-6.2pp | 78.2%-18.2pp | 67.6%-7.6pp |
| Annual return | 13.92% | 33.33%-19.4pp | 64.74%-50.8pp | 35.62%-21.7pp |
| Employer contribution / active EE | $2,198 | $3,101-29.1% | $4,674-53.0% | $2,756-20.2% |
| Participant deferral / active EE | $3,690 | $3,452+6.9% | $5,628-34.4% | $4,297-14.1% |
| Admin fee / account holder | $3,435 | $7,998-57.1% | $15,916-78.4% | $6,935-50.5% |