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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 | $70,454 | $57,119+23.3% | $85,187-17.3% | $80,935-13.0% |
| Participation rate | 38.2% | 56.4%-18.2pp | 67.5%-29.3pp | 67.7%-29.4pp |
| Annual return | 14.61% | 21.70%-7.1pp | 66.67%-52.1pp | 35.66%-21.0pp |
| Employer contribution / active EE | $1,616 | $1,802-10.3% | $2,732-40.9% | $2,757-41.4% |
| Participant deferral / active EE | $3,871 | $3,115+24.3% | $4,525-14.4% | $4,299-10.0% |
| Admin fee / account holder | $7,532 | $4,990+50.9% | $6,162+22.2% | $6,924+8.8% |