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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 | $67,956 | $81,331-16.4% | $155,534-56.3% | $80,935-16.0% |
| Participation rate | 69.9% | 66.3%+3.6pp | 78.2%-8.4pp | 67.7%+2.2pp |
| Annual return | 12.73% | 33.37%-20.6pp | 64.92%-52.2pp | 35.66%-22.9pp |
| Employer contribution / active EE | $1,984 | $3,105-36.1% | $4,675-57.6% | $2,757-28.0% |
| Participant deferral / active EE | $3,305 | $3,454-4.3% | $5,630-41.3% | $4,299-23.1% |
| Admin fee / account holder | $1,728 | $7,999-78.4% | $15,900-89.1% | $6,924-75.0% |