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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 | $70,563 | $78,672-10.3% | $109,163-35.4% | $85,856-17.8% |
| Participation rate | 55.3% | 68.3%-13.0pp | 75.9%-20.6pp | 69.3%-14.1pp |
| Annual return | 16.62% | 25.09%-8.5pp | 25.75%-9.1pp | 318.58%-302.0pp |
| Employer contribution / active EE | $1,612 | $2,734-41.0% | $3,723-56.7% | $2,565-37.2% |
| Participant deferral / active EE | $4,393 | $3,467+26.7% | $4,654-5.6% | $3,952+11.1% |
| Admin fee / account holder | $5,476 | $5,470+0.1% | $6,754-18.9% | $6,261-12.5% |