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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 | $87,106-9.2% | $105,607-25.1% | $80,935-2.3% |
| Participation rate | 62.2% | 70.4%-8.3pp | 75.3%-13.1pp | 67.7%-5.5pp |
| Annual return | 10.77% | 17.01%-6.2pp | 116.11%-105.3pp | 35.66%-24.9pp |
| Employer contribution / active EE | $1,536 | $2,396-35.9% | $3,167-51.5% | $2,757-44.3% |
| Participant deferral / active EE | $3,590 | $3,986-9.9% | $5,011-28.4% | $4,299-16.5% |
| Admin fee / account holder | $5,429 | $8,447-35.7% | $10,958-50.5% | $6,924-21.6% |