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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 | $70,388 | $67,894+3.7% | $89,340-21.2% | $82,448-14.6% |
| Participation rate | 31.0% | 64.0%-33.0pp | 69.6%-38.5pp | 68.1%-37.0pp |
| Annual return | 15.85% | 19.21%-3.4pp | 20.57%-4.7pp | 41.64%-25.8pp |
| Employer contribution / active EE | $1,644 | $1,828-10.1% | $2,231-26.3% | $2,551-35.6% |
| Participant deferral / active EE | $2,086 | $3,072-32.1% | $3,823-45.4% | $4,139-49.6% |
| Admin fee / account holder | $796 | $5,723-86.1% | $6,704-88.1% | $7,234-89.0% |