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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 | $73,830 | $99,345-25.7% | $84,753-12.9% | $273,972-73.1% |
| Participation rate | 60.0% | 80.7%-20.7pp | 76.6%-16.6pp | 83.0%-23.0pp |
| Annual return | 6.38% | 22.93%-16.6pp | 22.78%-16.4pp | 41.46%-35.1pp |
| Employer contribution / active EE | $4,279 | $4,214+1.5% | $3,574+19.7% | $4,869-12.1% |
| Participant deferral / active EE | $8,500 | $4,270+99.1% | $3,712+129.0% | $5,287+60.8% |
| Admin fee / account holder | $3,163 | $6,645-52.4% | $5,333-40.7% | $10,133-68.8% |