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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 | $62,465 | $115,931-46.1% | $185,441-66.3% | $86,983-28.2% |
| Participation rate | 64.5% | 73.6%-9.1pp | 80.3%-15.7pp | 69.5%-5.0pp |
| Annual return | 11.67% | 21.47%-9.8pp | 20.16%-8.5pp | 25.83%-14.2pp |
| Employer contribution / active EE | $2,418 | $2,937-17.7% | $4,672-48.2% | $2,584-6.4% |
| Participant deferral / active EE | $3,802 | $4,551-16.5% | $6,152-38.2% | $4,194-9.3% |
| Admin fee / account holder | $4,661 | $10,687-56.4% | $17,890-73.9% | $7,856-40.7% |