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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 | $81,457-11.4% | $103,378-30.2% | $80,911-10.8% |
| Participation rate | 51.3% | 66.8%-15.6pp | 74.5%-23.2pp | 67.6%-16.4pp |
| Annual return | 11.99% | 25.58%-13.6pp | 24.91%-12.9pp | 35.63%-23.6pp |
| Employer contribution / active EE | $911 | $3,107-70.7% | $3,870-76.5% | $2,756-66.9% |
| Participant deferral / active EE | $3,451 | $3,871-10.8% | $5,058-31.8% | $4,297-19.7% |
| Admin fee / account holder | $5,100 | $6,717-24.1% | $8,401-39.3% | $6,935-26.5% |