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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 | $114,712-33.6% | $173,730-56.1% | $87,485-12.9% |
| Participation rate | 63.5% | 73.0%-9.5pp | 79.6%-16.1pp | 68.9%-5.5pp |
| Annual return | 16.61% | 20.18%-3.6pp | 19.96%-3.3pp | 26.06%-9.5pp |
| Employer contribution / active EE | $3,348 | $2,904+15.3% | $4,577-26.9% | $2,596+28.9% |
| Participant deferral / active EE | $3,694 | $4,642-20.4% | $6,326-41.6% | $4,274-13.6% |
| Admin fee / account holder | $6,243 | $10,210-38.9% | $17,523-64.4% | $7,775-19.7% |