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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 | $62,048 | $76,407-18.8% | $150,298-58.7% | $82,448-24.7% |
| Participation rate | 64.5% | 66.4%-1.9pp | 77.8%-13.2pp | 68.1%-3.6pp |
| Annual return | 18.02% | 39.99%-22.0pp | 62.79%-44.8pp | 41.64%-23.6pp |
| Employer contribution / active EE | $1,845 | $2,614-29.4% | $4,154-55.6% | $2,551-27.7% |
| Participant deferral / active EE | $5,084 | $3,214+58.2% | $5,453-6.8% | $4,139+22.8% |
| Admin fee / account holder | $2,327 | $6,352-63.4% | $14,116-83.5% | $7,234-67.8% |