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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 | $71,623 | $95,453-25.0% | $112,040-36.1% | $82,448-13.1% |
| Participation rate | 58.4% | 72.8%-14.3pp | 76.5%-18.1pp | 68.1%-9.6pp |
| Annual return | 20.20% | 23.92%-3.7pp | 24.52%-4.3pp | 41.64%-21.4pp |
| Employer contribution / active EE | $1,431 | $2,318-38.3% | $2,954-51.6% | $2,551-43.9% |
| Participant deferral / active EE | $3,871 | $4,224-8.3% | $5,098-24.1% | $4,139-6.5% |
| Admin fee / account holder | $11,091 | $9,013+23.0% | $12,098-8.3% | $7,234+53.3% |