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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 | $67,689 | $76,551-11.6% | $123,894-45.4% | $62,881+7.6% |
| Participation rate | 59.4% | 73.0%-13.6pp | 81.4%-22.0pp | 69.3%-9.9pp |
| Annual return | 9.04% | 18.68%-9.6pp | 47.52%-38.5pp | 20.14%-11.1pp |
| Employer contribution / active EE | $2,009 | $2,882-30.3% | $4,617-56.5% | $2,281-11.9% |
| Participant deferral / active EE | $3,548 | $4,840-26.7% | $5,984-40.7% | $3,203+10.8% |
| Admin fee / account holder | $7,765 | $4,826+60.9% | $8,357-7.1% | $4,296+80.8% |