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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 | $63,842 | $78,682-18.9% | $109,188-41.5% | $85,851-25.6% |
| Participation rate | 56.1% | 68.3%-12.2pp | 75.9%-19.8pp | 69.3%-13.2pp |
| Annual return | 11.45% | 25.09%-13.6pp | 25.76%-14.3pp | 318.63%-307.2pp |
| Employer contribution / active EE | $1,863 | $2,734-31.8% | $3,723-49.9% | $2,565-27.4% |
| Participant deferral / active EE | $3,995 | $3,468+15.2% | $4,654-14.2% | $3,952+1.1% |
| Admin fee / account holder | $16,981 | $5,470+210.5% | $6,755+151.4% | $6,261+171.2% |