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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 | $60,035 | $93,345-35.7% | $119,126-49.6% | $87,485-31.4% |
| Participation rate | 53.6% | 68.7%-15.2pp | 75.8%-22.2pp | 68.9%-15.4pp |
| Annual return | 12.38% | 19.08%-6.7pp | 282.11%-269.7pp | 26.06%-13.7pp |
| Employer contribution / active EE | $2,629 | $3,172-17.1% | $4,034-34.8% | $2,596+1.2% |
| Participant deferral / active EE | $5,019 | $4,099+22.5% | $5,318-5.6% | $4,274+17.5% |
| Admin fee / account holder | $8,727 | $8,039+8.6% | $10,693-18.4% | $7,775+12.3% |