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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 | $80,080 | $81,262-1.5% | $155,602-48.5% | $80,911-1.0% |
| Participation rate | 54.8% | 66.2%-11.4pp | 78.2%-23.4pp | 67.6%-12.8pp |
| Annual return | 13.69% | 33.34%-19.7pp | 64.81%-51.1pp | 35.63%-21.9pp |
| Employer contribution / active EE | $1,758 | $3,102-43.3% | $4,675-62.4% | $2,756-36.2% |
| Participant deferral / active EE | $2,919 | $3,451-15.4% | $5,629-48.1% | $4,297-32.1% |
| Admin fee / account holder | $7,741 | $7,992-3.1% | $15,923-51.4% | $6,935+11.6% |