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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 | $72,175 | $81,487-11.4% | $102,412-29.5% | $80,935-10.8% |
| Participation rate | 51.3% | 66.8%-15.6pp | 74.5%-23.2pp | 67.7%-16.4pp |
| Annual return | 11.99% | 25.60%-13.6pp | 24.94%-13.0pp | 35.66%-23.7pp |
| Employer contribution / active EE | $911 | $3,103-70.6% | $3,870-76.5% | $2,757-66.9% |
| Participant deferral / active EE | $3,451 | $3,871-10.8% | $5,060-31.8% | $4,299-19.7% |
| Admin fee / account holder | $5,100 | $6,717-24.1% | $8,388-39.2% | $6,924-26.4% |