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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 | $70,363 | $108,825-35.3% | $156,181-54.9% | $82,448-14.7% |
| Participation rate | 69.7% | 72.4%-2.6pp | 78.8%-9.1pp | 68.1%+1.7pp |
| Annual return | 14.13% | 20.59%-6.5pp | 64.87%-50.7pp | 41.64%-27.5pp |
| Employer contribution / active EE | $1,058 | $2,870-63.1% | $4,294-75.4% | $2,551-58.5% |
| Participant deferral / active EE | $2,783 | $4,577-39.2% | $6,132-54.6% | $4,139-32.8% |
| Admin fee / account holder | $8,614 | $9,341-7.8% | $14,586-40.9% | $7,234+19.1% |