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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 | $58,937 | $72,027-18.2% | $185,861-68.3% | $79,856-26.2% |
| Participation rate | 64.3% | 65.8%-1.5pp | 78.0%-13.8pp | 69.6%-5.4pp |
| Annual return | 12.97% | 23.13%-10.2pp | 35.96%-23.0pp | 31.71%-18.7pp |
| Employer contribution / active EE | $2,165 | $1,965+10.2% | $4,088-47.0% | $2,471-12.4% |
| Participant deferral / active EE | $5,690 | $3,780+50.5% | $5,634+1.0% | $3,741+52.1% |
| Admin fee / account holder | $3,793 | $4,513-15.9% | $9,503-60.1% | $5,306-28.5% |