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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 | $60,600 | $106,864-43.3% | $147,318-58.9% | $82,637-26.7% |
| Participation rate | 56.2% | 75.5%-19.3pp | 82.1%-25.9pp | 68.1%-11.9pp |
| Annual return | 15.76% | 27.49%-11.7pp | 70.43%-54.7pp | 53.51%-37.7pp |
| Employer contribution / active EE | $2,778 | $3,417-18.7% | $4,593-39.5% | $2,552+8.8% |
| Participant deferral / active EE | $8,506 | $6,496+31.0% | $7,906+7.6% | $4,126+106.2% |
| Admin fee / account holder | $9,934 | $8,415+18.0% | $13,708-27.5% | $7,339+35.4% |