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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 | $78,575 | $90,400-13.1% | $186,193-57.8% | $87,485-10.2% |
| Participation rate | 61.9% | 66.2%-4.3pp | 77.1%-15.3pp | 68.9%-7.1pp |
| Annual return | 19.80% | 22.15%-2.3pp | 78.03%-58.2pp | 26.06%-6.3pp |
| Employer contribution / active EE | $1,241 | $2,170-42.8% | $3,918-68.3% | $2,596-52.2% |
| Participant deferral / active EE | $3,998 | $4,330-7.7% | $6,513-38.6% | $4,274-6.4% |
| Admin fee / account holder | $4,428 | $8,673-48.9% | $11,058-60.0% | $7,775-43.0% |