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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 | $63,140 | $81,504-22.5% | $102,437-38.4% | $80,959-22.0% |
| Participation rate | 60.6% | 66.9%-6.2pp | 74.5%-13.9pp | 67.7%-7.1pp |
| Annual return | 11.88% | 25.60%-13.7pp | 24.95%-13.1pp | 35.67%-23.8pp |
| Employer contribution / active EE | $2,426 | $3,104-21.8% | $3,871-37.3% | $2,757-12.0% |
| Participant deferral / active EE | $5,002 | $3,871+29.2% | $5,060-1.2% | $4,300+16.3% |
| Admin fee / account holder | $14,987 | $6,719+123.0% | $8,388+78.7% | $6,925+116.4% |