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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 | $67,520 | $100,194-32.6% | $122,979-45.1% | $86,983-22.4% |
| Participation rate | 42.4% | 73.0%-30.6pp | 77.2%-34.8pp | 69.5%-27.2pp |
| Annual return | 16.72% | 16.47%+0.2pp | 20.12%-3.4pp | 25.83%-9.1pp |
| Employer contribution / active EE | $1,016 | $2,326-56.3% | $3,062-66.8% | $2,584-60.7% |
| Participant deferral / active EE | $2,966 | $4,133-28.2% | $5,003-40.7% | $4,194-29.3% |
| Admin fee / account holder | $9,376 | $10,148-7.6% | $12,864-27.1% | $7,856+19.3% |