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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 | $74,382 | $73,638+1.0% | $95,964-22.5% | $73,497+1.2% |
| Participation rate | 64.0% | 76.2%-12.1pp | 77.1%-13.0pp | 70.7%-6.6pp |
| Annual return | 14.75% | 16.78%-2.0pp | 91.64%-76.9pp | 28.51%-13.8pp |
| Employer contribution / active EE | $1,458 | $1,863-21.8% | $2,541-42.6% | $2,270-35.8% |
| Participant deferral / active EE | $2,066 | $3,617-42.9% | $4,167-50.4% | $3,740-44.8% |
| Admin fee / account holder | $4,361 | $482+804.5% | $6,797-35.8% | $513+749.9% |