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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 | $68,000 | $81,476-16.5% | $102,383-33.6% | $80,925-16.0% |
| Participation rate | 60.5% | 66.8%-6.3pp | 74.5%-14.0pp | 67.7%-7.1pp |
| Annual return | 12.14% | 25.59%-13.5pp | 24.94%-12.8pp | 35.65%-23.5pp |
| Employer contribution / active EE | $2,428 | $3,105-21.8% | $3,870-37.3% | $2,756-11.9% |
| Participant deferral / active EE | $6,132 | $3,871+58.4% | $5,060+21.2% | $4,299+42.6% |
| Admin fee / account holder | $2,627 | $6,717-60.9% | $8,391-68.7% | $6,940-62.1% |