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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 | $66,550 | $76,834-13.4% | $108,359-38.6% | $87,485-23.9% |
| Participation rate | 43.6% | 61.7%-18.1pp | 70.1%-26.5pp | 68.9%-25.3pp |
| Annual return | 15.53% | 19.09%-3.6pp | 36.89%-21.4pp | 26.06%-10.5pp |
| Employer contribution / active EE | $1,540 | $1,556-1.1% | $2,399-35.8% | $2,596-40.7% |
| Participant deferral / active EE | $4,021 | $3,100+29.7% | $4,137-2.8% | $4,274-5.9% |
| Admin fee / account holder | $2,602 | $6,537-60.2% | $9,741-73.3% | $7,775-66.5% |