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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 | $76,210 | $108,825-30.0% | $156,181-51.2% | $82,448-7.6% |
| Participation rate | 63.5% | 72.4%-8.9pp | 78.8%-15.4pp | 68.1%-4.6pp |
| Annual return | 16.61% | 20.59%-4.0pp | 64.87%-48.3pp | 41.64%-25.0pp |
| Employer contribution / active EE | $3,348 | $2,870+16.7% | $4,294-22.0% | $2,551+31.2% |
| Participant deferral / active EE | $3,694 | $4,577-19.3% | $6,132-39.8% | $4,139-10.8% |
| Admin fee / account holder | $6,243 | $9,341-33.2% | $14,586-57.2% | $7,234-13.7% |