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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 | $73,908 | $161,352-54.2% | $134,172-44.9% | $137,256-46.2% |
| Participation rate | 59.1% | 78.3%-19.2pp | 72.5%-13.4pp | 80.0%-20.9pp |
| Annual return | 15.38% | 28.72%-13.3pp | 25.30%-9.9pp | 220.34%-205.0pp |
| Employer contribution / active EE | $2,013 | $4,099-50.9% | $3,420-41.1% | $4,156-51.6% |
| Participant deferral / active EE | $3,987 | $5,552-28.2% | $4,690-15.0% | $6,407-37.8% |
| Admin fee / account holder | $19,416 | $15,028+29.2% | $12,016+61.6% | $12,270+58.2% |