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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 | $69,639 | $86,940-19.9% | $102,434-32.0% | $80,935-14.0% |
| Participation rate | 64.2% | 72.4%-8.2pp | 76.5%-12.3pp | 67.7%-3.5pp |
| Annual return | 12.06% | 18.89%-6.8pp | 29.46%-17.4pp | 35.66%-23.6pp |
| Employer contribution / active EE | $1,618 | $2,370-31.7% | $3,023-46.5% | $2,757-41.3% |
| Participant deferral / active EE | $3,735 | $4,121-9.4% | $5,055-26.1% | $4,299-13.1% |
| Admin fee / account holder | $3,962 | $8,047-50.8% | $9,462-58.1% | $6,924-42.8% |