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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 | $64,382 | $72,486-11.2% | $87,103-26.1% | $72,976-11.8% |
| Participation rate | 60.0% | 72.8%-12.8pp | 76.9%-16.9pp | 69.5%-9.5pp |
| Annual return | 23.96% | 24.46%-0.5pp | 28.19%-4.2pp | 81.02%-57.1pp |
| Employer contribution / active EE | $1,986 | $1,894+4.9% | $2,521-21.2% | $2,440-18.6% |
| Participant deferral / active EE | $3,951 | $3,270+20.8% | $4,049-2.4% | $3,608+9.5% |
| Admin fee / account holder | $829 | $5,055-83.6% | $7,491-88.9% | $5,124-83.8% |