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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 | $76,920 | $79,449-3.2% | $189,575-59.4% | $85,847-10.4% |
| Participation rate | 54.2% | 66.0%-11.8pp | 78.4%-24.3pp | 69.3%-15.2pp |
| Annual return | 15.15% | 18.45%-3.3pp | 64.19%-49.0pp | 318.61%-303.5pp |
| Employer contribution / active EE | $1,373 | $2,081-34.0% | $4,412-68.9% | $2,565-46.5% |
| Participant deferral / active EE | $2,590 | $4,051-36.1% | $6,174-58.0% | $3,952-34.5% |
| Admin fee / account holder | $2,967 | $5,377-44.8% | $9,806-69.7% | $6,261-52.6% |