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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 | $87,557 | $109,782-20.2% | $260,467-66.4% | $94,015-6.9% |
| Participation rate | 59.3% | 67.2%-7.9pp | 80.5%-21.1pp | 70.8%-11.5pp |
| Annual return | 12.51% | 18.60%-6.1pp | 100.60%-88.1pp | 17.84%-5.3pp |
| Employer contribution / active EE | $1,241 | $2,147-42.2% | $4,239-70.7% | $2,790-55.5% |
| Participant deferral / active EE | $4,340 | $4,044+7.3% | $6,319-31.3% | $4,249+2.1% |
| Admin fee / account holder | $20,273 | $11,958+69.5% | $15,461+31.1% | $8,951+126.5% |