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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 | $73,645 | $91,179-19.2% | $178,499-58.7% | $79,852-7.8% |
| Participation rate | 68.0% | 69.2%-1.2pp | 81.9%-13.9pp | 69.6%-1.6pp |
| Annual return | 14.68% | 24.19%-9.5pp | 151.10%-136.4pp | 31.72%-17.0pp |
| Employer contribution / active EE | $2,926 | $3,256-10.1% | $5,011-41.6% | $2,471+18.4% |
| Participant deferral / active EE | $5,694 | $3,236+76.0% | $5,202+9.5% | $3,740+52.2% |
| Admin fee / account holder | $597 | $6,749-91.2% | $13,986-95.7% | $5,306-88.8% |