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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 | $69,164 | $78,197-11.6% | $98,090-29.5% | $82,637-16.3% |
| Participation rate | 57.9% | 77.5%-19.6pp | 81.5%-23.7pp | 68.1%-10.2pp |
| Annual return | 36.91% | 40.25%-3.3pp | 37.05%-0.1pp | 53.51%-16.6pp |
| Employer contribution / active EE | $2,750 | $2,605+5.6% | $3,606-23.7% | $2,552+7.8% |
| Participant deferral / active EE | $7,062 | $6,636+6.4% | $7,845-10.0% | $4,126+71.1% |
| Admin fee / account holder | $3,864 | $14,832-73.9% | $11,815-67.3% | $7,339-47.3% |