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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 | $63,590 | $86,949-26.9% | $102,460-37.9% | $80,959-21.5% |
| Participation rate | 58.4% | 72.4%-14.0pp | 76.5%-18.1pp | 67.7%-9.2pp |
| Annual return | 12.79% | 18.89%-6.1pp | 29.47%-16.7pp | 35.67%-22.9pp |
| Employer contribution / active EE | $1,680 | $2,370-29.1% | $3,025-44.5% | $2,757-39.1% |
| Participant deferral / active EE | $3,176 | $4,121-22.9% | $5,056-37.2% | $4,300-26.2% |
| Admin fee / account holder | $14,035 | $8,048+74.4% | $9,460+48.4% | $6,925+102.7% |