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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 | $60,769 | $81,504-25.4% | $102,437-40.7% | $80,959-24.9% |
| Participation rate | 50.0% | 66.9%-16.9pp | 74.5%-24.5pp | 67.7%-17.7pp |
| Annual return | 11.78% | 25.60%-13.8pp | 24.95%-13.2pp | 35.67%-23.9pp |
| Employer contribution / active EE | $2,693 | $3,104-13.2% | $3,871-30.4% | $2,757-2.3% |
| Participant deferral / active EE | $4,844 | $3,871+25.1% | $5,060-4.3% | $4,300+12.6% |
| Admin fee / account holder | $23,652 | $6,719+252.0% | $8,388+182.0% | $6,925+241.5% |