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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 | $67,090 | $76,834-12.7% | $108,359-38.1% | $87,485-23.3% |
| Participation rate | 53.3% | 61.7%-8.4pp | 70.1%-16.8pp | 68.9%-15.6pp |
| Annual return | 12.17% | 19.09%-6.9pp | 36.89%-24.7pp | 26.06%-13.9pp |
| Employer contribution / active EE | $1,682 | $1,556+8.0% | $2,399-29.9% | $2,596-35.2% |
| Participant deferral / active EE | $3,549 | $3,100+14.5% | $4,137-14.2% | $4,274-17.0% |
| Admin fee / account holder | $12,959 | $6,537+98.2% | $9,741+33.0% | $7,775+66.7% |