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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 | $64,923 | $77,472-16.2% | $100,415-35.3% | $80,959-19.8% |
| Participation rate | 62.3% | 76.9%-14.6pp | 81.5%-19.2pp | 67.7%-5.3pp |
| Annual return | 25.75% | 37.26%-11.5pp | 49.47%-23.7pp | 35.67%-9.9pp |
| Employer contribution / active EE | $1,885 | $2,800-32.7% | $3,943-52.2% | $2,757-31.6% |
| Participant deferral / active EE | $4,275 | $6,818-37.3% | $8,091-47.2% | $4,300-0.6% |
| Admin fee / account holder | $14,705 | $5,885+149.9% | $7,906+86.0% | $6,925+112.3% |