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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 | $69,867 | $68,607+1.8% | $147,027-52.5% | $64,340+8.6% |
| Participation rate | 48.2% | 50.4%-2.2pp | 73.7%-25.5pp | 55.2%-7.0pp |
| Annual return | 14.38% | 13.75%+0.6pp | 20.23%-5.9pp | 24.14%-9.8pp |
| Employer contribution / active EE | $1,552 | $1,554-0.2% | $3,626-57.2% | $1,862-16.6% |
| Participant deferral / active EE | $2,358 | $2,402-1.8% | $4,933-52.2% | $2,980-20.9% |
| Admin fee / account holder | $10,138 | $3,287+208.4% | $12,223-17.1% | $3,703+173.8% |