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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 | $86,919-22.1% | $102,457-33.9% | $80,911-16.3% |
| Participation rate | 60.2% | 72.4%-12.1pp | 76.5%-16.3pp | 67.6%-7.4pp |
| Annual return | 12.42% | 18.90%-6.5pp | 29.41%-17.0pp | 35.63%-23.2pp |
| Employer contribution / active EE | $2,439 | $2,368+3.0% | $3,022-19.3% | $2,756-11.5% |
| Participant deferral / active EE | $4,282 | $4,119+4.0% | $5,054-15.3% | $4,297-0.3% |
| Admin fee / account holder | $5,526 | $8,049-31.4% | $9,451-41.5% | $6,935-20.3% |