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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 | $63,597 | $101,752-37.5% | $164,928-61.4% | $80,911-21.4% |
| Participation rate | 67.2% | 71.8%-4.6pp | 78.6%-11.4pp | 67.6%-0.4pp |
| Annual return | 13.67% | 16.73%-3.1pp | 70.08%-56.4pp | 35.63%-22.0pp |
| Employer contribution / active EE | $2,442 | $2,953-17.3% | $4,343-43.8% | $2,756-11.4% |
| Participant deferral / active EE | $4,112 | $4,477-8.2% | $6,034-31.9% | $4,297-4.3% |
| Admin fee / account holder | $9,673 | $8,218+17.7% | $12,684-23.7% | $6,935+39.5% |