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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 | $56,641 | $126,661-55.3% | $113,397-50.1% | $138,895-59.2% |
| Participation rate | 56.3% | 79.4%-23.2pp | 76.5%-20.2pp | 79.9%-23.7pp |
| Annual return | 16.38% | 25.05%-8.7pp | 23.20%-6.8pp | 145.39%-129.0pp |
| Employer contribution / active EE | $1,723 | $3,456-50.2% | $2,977-42.1% | $4,194-58.9% |
| Participant deferral / active EE | $3,864 | $5,693-32.1% | $5,076-23.9% | $6,396-39.6% |
| Admin fee / account holder | $5,686 | $14,549-60.9% | $11,957-52.4% | $12,562-54.7% |