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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 | $79,051 | $87,060-9.2% | $105,591-25.1% | $80,911-2.3% |
| Participation rate | 62.2% | 70.4%-8.3pp | 75.3%-13.1pp | 67.6%-5.5pp |
| Annual return | 10.77% | 17.05%-6.3pp | 116.43%-105.7pp | 35.63%-24.9pp |
| Employer contribution / active EE | $1,536 | $2,396-35.9% | $3,166-51.5% | $2,756-44.3% |
| Participant deferral / active EE | $3,590 | $3,986-9.9% | $5,008-28.3% | $4,297-16.4% |
| Admin fee / account holder | $5,429 | $8,442-35.7% | $11,024-50.7% | $6,935-21.7% |