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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 | $162,967-47.8% | $135,792-37.3% | $138,895-38.7% |
| Participation rate | 60.0% | 78.3%-18.3pp | 72.6%-12.6pp | 79.9%-19.9pp |
| Annual return | 17.67% | 30.08%-12.4pp | 25.96%-8.3pp | 145.39%-127.7pp |
| Employer contribution / active EE | $1,475 | $4,211-65.0% | $3,496-57.8% | $4,194-64.8% |
| Participant deferral / active EE | $8,946 | $5,640+58.6% | $4,759+88.0% | $6,396+39.9% |
| Admin fee / account holder | $15,350 | $15,306+0.3% | $12,266+25.1% | $12,562+22.2% |