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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 | $62,782 | $81,334-22.8% | $113,397-44.6% | $64,097-2.1% |
| Participation rate | 63.4% | 65.6%-2.2pp | 76.5%-13.1pp | 55.2%+8.2pp |
| Annual return | 14.58% | 32.50%-17.9pp | 23.20%-8.6pp | 34.64%-20.1pp |
| Employer contribution / active EE | $1,640 | $2,077-21.0% | $2,977-44.9% | $1,891-13.3% |
| Participant deferral / active EE | $1,795 | $3,795-52.7% | $5,076-64.6% | $3,080-41.7% |
| Admin fee / account holder | $8,931 | $4,208+112.2% | $11,957-25.3% | $3,454+158.5% |