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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 | $75,797 | $71,215+6.4% | $93,696-19.1% | $80,935-6.3% |
| Participation rate | 67.5% | 60.4%+7.1pp | 68.7%-1.2pp | 67.7%-0.1pp |
| Annual return | 10.91% | 11.27%-0.4pp | 133.74%-122.8pp | 35.66%-24.8pp |
| Employer contribution / active EE | $961 | $1,565-38.6% | $2,422-60.3% | $2,757-65.1% |
| Participant deferral / active EE | $5,075 | $4,037+25.7% | $4,417+14.9% | $4,299+18.0% |
| Admin fee / account holder | $4,999 | $6,958-28.2% | $8,287-39.7% | $6,924-27.8% |