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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 | $72,607-3.1% | $90,259-22.0% | $87,485-19.5% |
| Participation rate | 31.0% | 64.8%-33.8pp | 70.7%-39.7pp | 68.9%-37.9pp |
| Annual return | 15.85% | 18.59%-2.7pp | 18.88%-3.0pp | 26.06%-10.2pp |
| Employer contribution / active EE | $1,644 | $1,919-14.4% | $2,291-28.3% | $2,596-36.7% |
| Participant deferral / active EE | $2,086 | $3,055-31.7% | $3,827-45.5% | $4,274-51.2% |
| Admin fee / account holder | $796 | $5,947-86.6% | $7,267-89.0% | $7,775-89.8% |