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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 | $67,887 | $99,345-31.7% | $84,753-19.9% | $273,972-75.2% |
| Participation rate | 68.2% | 80.7%-12.5pp | 76.6%-8.4pp | 83.0%-14.8pp |
| Annual return | 8.17% | 22.93%-14.8pp | 22.78%-14.6pp | 41.46%-33.3pp |
| Employer contribution / active EE | $2,279 | $4,214-45.9% | $3,574-36.2% | $4,869-53.2% |
| Participant deferral / active EE | $5,047 | $4,270+18.2% | $3,712+36.0% | $5,287-4.5% |
| Admin fee / account holder | $2,391 | $6,645-64.0% | $5,333-55.2% | $10,133-76.4% |