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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 | $82,601 | $110,240-25.1% | $96,544-14.4% | $139,487-40.8% |
| Participation rate | 60.9% | 78.1%-17.3pp | 76.0%-15.1pp | 80.3%-19.5pp |
| Annual return | 15.31% | 26.41%-11.1pp | 25.88%-10.6pp | 373.84%-358.5pp |
| Employer contribution / active EE | $3,804 | $3,622+5.0% | $2,966+28.3% | $4,755-20.0% |
| Participant deferral / active EE | $3,621 | $5,549-34.7% | $4,851-25.4% | $6,713-46.1% |
| Admin fee / account holder | $12,895 | $11,602+11.1% | $8,254+56.2% | $11,407+13.0% |