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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 | $54,015 | $78,027-30.8% | $178,528-69.7% | $80,925-33.3% |
| Participation rate | 67.6% | 65.7%+1.9pp | 77.1%-9.5pp | 67.7%-0.1pp |
| Annual return | 17.11% | 18.09%-1.0pp | 27.11%-10.0pp | 35.65%-18.5pp |
| Employer contribution / active EE | $946 | $2,281-58.5% | $3,950-76.1% | $2,756-65.7% |
| Participant deferral / active EE | $3,695 | $4,408-16.2% | $6,278-41.1% | $4,299-14.0% |
| Admin fee / account holder | $12,090 | $7,168+68.7% | $10,419+16.0% | $6,940+74.2% |