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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 | $68,947 | $95,453-27.8% | $112,040-38.5% | $82,448-16.4% |
| Participation rate | 62.9% | 72.8%-9.9pp | 76.5%-13.6pp | 68.1%-5.2pp |
| Annual return | 13.92% | 23.92%-10.0pp | 24.52%-10.6pp | 41.64%-27.7pp |
| Employer contribution / active EE | $1,468 | $2,318-36.7% | $2,954-50.3% | $2,551-42.5% |
| Participant deferral / active EE | $3,157 | $4,224-25.3% | $5,098-38.1% | $4,139-23.7% |
| Admin fee / account holder | $12,174 | $9,013+35.1% | $12,098+0.6% | $7,234+68.3% |