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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 | $69,224 | $98,766-29.9% | $149,730-53.8% | $79,852-13.3% |
| Participation rate | 64.7% | 75.8%-11.1pp | 82.5%-17.8pp | 69.6%-4.9pp |
| Annual return | 17.41% | 27.43%-10.0pp | 276.70%-259.3pp | 31.72%-14.3pp |
| Employer contribution / active EE | $2,946 | $3,217-8.4% | $4,645-36.6% | $2,471+19.2% |
| Participant deferral / active EE | $3,945 | $5,681-30.6% | $6,843-42.3% | $3,740+5.5% |
| Admin fee / account holder | $8,131 | $6,052+34.4% | $9,310-12.7% | $5,306+53.2% |