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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 | $73,369 | $86,919-15.6% | $102,457-28.4% | $80,911-9.3% |
| Participation rate | 64.8% | 72.4%-7.5pp | 76.5%-11.7pp | 67.6%-2.8pp |
| Annual return | 11.85% | 18.90%-7.0pp | 29.41%-17.6pp | 35.63%-23.8pp |
| Employer contribution / active EE | $1,258 | $2,368-46.9% | $3,022-58.4% | $2,756-54.4% |
| Participant deferral / active EE | $4,258 | $4,119+3.4% | $5,054-15.7% | $4,297-0.9% |
| Admin fee / account holder | $12,694 | $8,049+57.7% | $9,451+34.3% | $6,935+83.0% |