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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 | $74,790 | $81,476-8.2% | $102,383-27.0% | $80,925-7.6% |
| Participation rate | 62.3% | 66.8%-4.6pp | 74.5%-12.2pp | 67.7%-5.4pp |
| Annual return | 12.16% | 25.59%-13.4pp | 24.94%-12.8pp | 35.65%-23.5pp |
| Employer contribution / active EE | $3,944 | $3,105+27.0% | $3,870+1.9% | $2,756+43.1% |
| Participant deferral / active EE | $9,323 | $3,871+140.8% | $5,060+84.3% | $4,299+116.9% |
| Admin fee / account holder | $14,144 | $6,717+110.6% | $8,391+68.6% | $6,940+103.8% |