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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 | $70,751 | $81,334-13.0% | $113,397-37.6% | $64,097+10.4% |
| Participation rate | 63.3% | 65.6%-2.3pp | 76.5%-13.2pp | 55.2%+8.1pp |
| Annual return | 16.53% | 32.50%-16.0pp | 23.20%-6.7pp | 34.64%-18.1pp |
| Employer contribution / active EE | $1,753 | $2,077-15.6% | $2,977-41.1% | $1,891-7.3% |
| Participant deferral / active EE | $4,448 | $3,795+17.2% | $5,076-12.4% | $3,080+44.4% |
| Admin fee / account holder | $1,751 | $4,208-58.4% | $11,957-85.4% | $3,454-49.3% |