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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 | $79,059 | $106,749-25.9% | $145,433-45.6% | $82,448-4.1% |
| Participation rate | 65.0% | 75.6%-10.6pp | 82.1%-17.1pp | 68.1%-3.1pp |
| Annual return | 18.48% | 27.59%-9.1pp | 66.58%-48.1pp | 41.64%-23.2pp |
| Employer contribution / active EE | $3,662 | $3,444+6.3% | $4,554-19.6% | $2,551+43.5% |
| Participant deferral / active EE | $8,236 | $6,519+26.4% | $7,897+4.3% | $4,139+99.0% |
| Admin fee / account holder | $12,556 | $8,390+49.7% | $13,129-4.4% | $7,234+73.6% |