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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 | $86,376 | $72,607+19.0% | $90,259-4.3% | $87,485-1.3% |
| Participation rate | 52.0% | 64.8%-12.8pp | 70.7%-18.7pp | 68.9%-16.9pp |
| Annual return | 13.62% | 18.59%-5.0pp | 18.88%-5.3pp | 26.06%-12.4pp |
| Employer contribution / active EE | $1,366 | $1,919-28.9% | $2,291-40.4% | $2,596-47.4% |
| Participant deferral / active EE | $2,477 | $3,055-18.9% | $3,827-35.3% | $4,274-42.0% |
| Admin fee / account holder | $2,973 | $5,947-50.0% | $7,267-59.1% | $7,775-61.8% |