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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 | $97,602 | $136,860-28.7% | $120,344-18.9% | $154,746-36.9% |
| Participation rate | 60.0% | 79.9%-19.9pp | 76.7%-16.7pp | 80.7%-20.7pp |
| Annual return | 19.30% | 21.38%-2.1pp | 20.30%-1.0pp | 172.34%-153.0pp |
| Employer contribution / active EE | $1,557 | $3,533-55.9% | $3,020-48.5% | $4,379-64.4% |
| Participant deferral / active EE | $2,746 | $5,793-52.6% | $5,135-46.5% | $6,730-59.2% |
| Admin fee / account holder | $2,875 | $15,393-81.3% | $12,742-77.4% | $14,365-80.0% |