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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 | $86,686 | $114,712-24.4% | $173,730-50.1% | $87,485-0.9% |
| Participation rate | 58.3% | 73.0%-14.7pp | 79.6%-21.2pp | 68.9%-10.6pp |
| Annual return | 14.41% | 20.18%-5.8pp | 19.96%-5.5pp | 26.06%-11.7pp |
| Employer contribution / active EE | $1,590 | $2,904-45.2% | $4,577-65.3% | $2,596-38.7% |
| Participant deferral / active EE | $4,334 | $4,642-6.6% | $6,326-31.5% | $4,274+1.4% |
| Admin fee / account holder | $9,725 | $10,210-4.7% | $17,523-44.5% | $7,775+25.1% |