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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 | $68,396 | $76,551-10.7% | $123,894-44.8% | $62,881+8.8% |
| Participation rate | 61.3% | 73.0%-11.6pp | 81.4%-20.1pp | 69.3%-8.0pp |
| Annual return | 7.50% | 18.68%-11.2pp | 47.52%-40.0pp | 20.14%-12.6pp |
| Employer contribution / active EE | $1,130 | $2,882-60.8% | $4,617-75.5% | $2,281-50.5% |
| Participant deferral / active EE | $4,725 | $4,840-2.4% | $5,984-21.0% | $3,203+47.5% |
| Admin fee / account holder | $9,679 | $4,826+100.6% | $8,357+15.8% | $4,296+125.3% |