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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 | $75,370 | $81,504-7.5% | $102,437-26.4% | $80,959-6.9% |
| Participation rate | 31.3% | 66.9%-35.6pp | 74.5%-43.3pp | 67.7%-36.4pp |
| Annual return | 21.39% | 25.60%-4.2pp | 24.95%-3.6pp | 35.67%-14.3pp |
| Employer contribution / active EE | $1,142 | $3,104-63.2% | $3,871-70.5% | $2,757-58.6% |
| Participant deferral / active EE | $2,003 | $3,871-48.3% | $5,060-60.4% | $4,300-53.4% |
| Admin fee / account holder | $6,556 | $6,719-2.4% | $8,388-21.8% | $6,925-5.3% |