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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 | $61,421 | $94,436-35.0% | $115,599-46.9% | $82,637-25.7% |
| Participation rate | 64.0% | 70.4%-6.4pp | 74.3%-10.3pp | 68.1%-4.1pp |
| Annual return | 16.39% | 18.37%-2.0pp | 111.10%-94.7pp | 53.51%-37.1pp |
| Employer contribution / active EE | $1,812 | $2,324-22.0% | $2,955-38.7% | $2,552-29.0% |
| Participant deferral / active EE | $4,577 | $3,955+15.7% | $4,889-6.4% | $4,126+10.9% |
| Admin fee / account holder | $17,142 | $10,328+66.0% | $12,841+33.5% | $7,339+133.6% |