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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 | $63,883 | $76,834-16.9% | $108,359-41.0% | $87,485-27.0% |
| Participation rate | 25.4% | 61.7%-36.3pp | 70.1%-44.7pp | 68.9%-43.5pp |
| Annual return | 16.77% | 19.09%-2.3pp | 36.89%-20.1pp | 26.06%-9.3pp |
| Employer contribution / active EE | $2,483 | $1,556+59.5% | $2,399+3.5% | $2,596-4.4% |
| Participant deferral / active EE | $4,794 | $3,100+54.7% | $4,137+15.9% | $4,274+12.2% |
| Admin fee / account holder | $12,137 | $6,537+85.7% | $9,741+24.6% | $7,775+56.1% |