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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 | $69,695 | $71,106-2.0% | $121,871-42.8% | $69,733-0.1% |
| Participation rate | 47.1% | 62.8%-15.7pp | 73.2%-26.1pp | 62.5%-15.4pp |
| Annual return | 11.39% | 15.43%-4.0pp | 13.57%-2.2pp | 15.22%-3.8pp |
| Employer contribution / active EE | $1,414 | $2,556-44.7% | $2,731-48.2% | $2,250-37.2% |
| Participant deferral / active EE | $2,719 | $2,765-1.7% | $4,318-37.0% | $3,054-11.0% |
| Admin fee / account holder | $3,418 | $2,128+60.6% | $11,551-70.4% | $3,102+10.2% |