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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 | $56,813 | $55,902+1.6% | $76,030-25.3% | $80,959-29.8% |
| Participation rate | 64.8% | 62.1%+2.7pp | 69.1%-4.2pp | 67.7%-2.9pp |
| Annual return | 12.94% | 20.59%-7.7pp | 361.54%-348.6pp | 35.67%-22.7pp |
| Employer contribution / active EE | $1,768 | $1,867-5.3% | $2,688-34.2% | $2,757-35.9% |
| Participant deferral / active EE | $2,896 | $3,051-5.1% | $4,257-32.0% | $4,300-32.7% |
| Admin fee / account holder | $1,490 | $5,239-71.6% | $6,421-76.8% | $6,925-78.5% |