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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 | $64,719 | $65,246-0.8% | $98,716-34.4% | $67,986-4.8% |
| Participation rate | 48.2% | 51.4%-3.2pp | 69.3%-21.1pp | 57.2%-9.0pp |
| Annual return | 16.18% | 20.58%-4.4pp | 31.81%-15.6pp | 31.67%-15.5pp |
| Employer contribution / active EE | $911 | $1,042-12.5% | $2,279-60.0% | $2,019-54.9% |
| Participant deferral / active EE | $3,245 | $2,594+25.1% | $4,048-19.8% | $3,358-3.4% |
| Admin fee / account holder | $7,066 | $4,561+54.9% | $8,703-18.8% | $3,203+120.6% |