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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 | $76,313 | $76,371-0.1% | $93,621-18.5% | $72,976+4.6% |
| Participation rate | 64.0% | 71.8%-7.8pp | 75.8%-11.9pp | 69.5%-5.5pp |
| Annual return | 20.91% | 25.82%-4.9pp | 32.76%-11.8pp | 81.02%-60.1pp |
| Employer contribution / active EE | $1,060 | $2,276-53.4% | $2,719-61.0% | $2,440-56.5% |
| Participant deferral / active EE | $2,571 | $3,538-27.3% | $4,070-36.8% | $3,608-28.7% |
| Admin fee / account holder | $9,846 | $6,839+44.0% | $7,890+24.8% | $5,124+92.1% |