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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 | $67,698 | $86,949-22.1% | $102,460-33.9% | $80,959-16.4% |
| Participation rate | 60.2% | 72.4%-12.1pp | 76.5%-16.3pp | 67.7%-7.4pp |
| Annual return | 12.42% | 18.89%-6.5pp | 29.47%-17.1pp | 35.67%-23.2pp |
| Employer contribution / active EE | $2,439 | $2,370+2.9% | $3,025-19.4% | $2,757-11.5% |
| Participant deferral / active EE | $4,282 | $4,121+3.9% | $5,056-15.3% | $4,300-0.4% |
| Admin fee / account holder | $5,526 | $8,048-31.3% | $9,460-41.6% | $6,925-20.2% |