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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 | $57,217 | $58,828-2.7% | $78,002-26.6% | $62,881-9.0% |
| Participation rate | 60.8% | 71.1%-10.2pp | 75.5%-14.7pp | 69.3%-8.5pp |
| Annual return | 6.85% | 17.16%-10.3pp | 425.99%-419.1pp | 20.14%-13.3pp |
| Employer contribution / active EE | $1,401 | $1,672-16.2% | $2,470-43.3% | $2,281-38.6% |
| Participant deferral / active EE | $2,847 | $2,686+6.0% | $3,497-18.6% | $3,203-11.1% |
| Admin fee / account holder | $7,626 | $4,393+73.6% | $5,481+39.1% | $4,296+77.5% |