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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 | $64,024 | $89,259-28.3% | $107,187-40.3% | $82,637-22.5% |
| Participation rate | 60.5% | 67.9%-7.4pp | 75.0%-14.5pp | 68.1%-7.5pp |
| Annual return | 13.30% | 21.02%-7.7pp | 204.55%-191.2pp | 53.51%-40.2pp |
| Employer contribution / active EE | $2,128 | $3,080-30.9% | $3,782-43.7% | $2,552-16.6% |
| Participant deferral / active EE | $4,265 | $4,037+5.6% | $5,096-16.3% | $4,126+3.4% |
| Admin fee / account holder | $8,663 | $7,381+17.4% | $9,162-5.4% | $7,339+18.0% |