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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 | $72,636 | $72,492+0.2% | $87,104-16.6% | $72,975-0.5% |
| Participation rate | 59.3% | 72.8%-13.5pp | 76.9%-17.6pp | 69.5%-10.2pp |
| Annual return | 21.78% | 24.46%-2.7pp | 28.19%-6.4pp | 81.01%-59.2pp |
| Employer contribution / active EE | $818 | $1,894-56.8% | $2,521-67.6% | $2,440-66.5% |
| Participant deferral / active EE | $2,946 | $3,270-9.9% | $4,048-27.2% | $3,608-18.3% |
| Admin fee / account holder | $3,375 | $5,055-33.2% | $7,491-54.9% | $5,124-34.1% |