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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 | $69,273+1.6% | $90,796-22.5% | $82,637-14.8% |
| Participation rate | 31.0% | 64.0%-33.0pp | 69.5%-38.5pp | 68.1%-37.0pp |
| Annual return | 15.85% | 18.37%-2.5pp | 19.29%-3.4pp | 53.51%-37.7pp |
| Employer contribution / active EE | $1,644 | $1,865-11.9% | $2,294-28.3% | $2,552-35.6% |
| Participant deferral / active EE | $2,086 | $3,047-31.5% | $3,822-45.4% | $4,126-49.4% |
| Admin fee / account holder | $796 | $5,511-85.5% | $7,024-88.7% | $7,339-89.1% |