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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 | $85,114 | $161,352-47.2% | $134,172-36.6% | $137,256-38.0% |
| Participation rate | 60.0% | 78.3%-18.3pp | 72.5%-12.5pp | 80.0%-20.0pp |
| Annual return | 17.67% | 28.72%-11.1pp | 25.30%-7.6pp | 220.34%-202.7pp |
| Employer contribution / active EE | $1,475 | $4,099-64.0% | $3,420-56.9% | $4,156-64.5% |
| Participant deferral / active EE | $8,946 | $5,552+61.1% | $4,690+90.7% | $6,407+39.6% |
| Admin fee / account holder | $15,350 | $15,028+2.1% | $12,016+27.7% | $12,270+25.1% |