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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 | $71,218 | $72,486-1.7% | $87,103-18.2% | $72,976-2.4% |
| Participation rate | 68.8% | 72.8%-4.1pp | 76.9%-8.1pp | 69.5%-0.7pp |
| Annual return | 18.61% | 24.46%-5.8pp | 28.19%-9.6pp | 81.02%-62.4pp |
| Employer contribution / active EE | $1,263 | $1,894-33.3% | $2,521-49.9% | $2,440-48.3% |
| Participant deferral / active EE | $2,888 | $3,270-11.7% | $4,049-28.7% | $3,608-20.0% |
| Admin fee / account holder | $12,452 | $5,055+146.4% | $7,491+66.2% | $5,124+143.0% |