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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 | $74,685 | $72,272+3.3% | $101,264-26.2% | $79,858-6.5% |
| Participation rate | 65.6% | 68.5%-2.8pp | 75.8%-10.2pp | 69.6%-4.0pp |
| Annual return | 13.19% | 22.30%-9.1pp | 46.48%-33.3pp | 31.72%-18.5pp |
| Employer contribution / active EE | $1,303 | $2,692-51.6% | $3,660-64.4% | $2,471-47.3% |
| Participant deferral / active EE | $3,027 | $3,282-7.8% | $4,370-30.7% | $3,740-19.1% |
| Admin fee / account holder | $1,298 | $4,401-70.5% | $5,947-78.2% | $5,306-75.5% |