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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 | $60,162 | $63,365-5.1% | $91,994-34.6% | $72,975-17.6% |
| Participation rate | 60.0% | 72.5%-12.5pp | 78.6%-18.6pp | 69.5%-9.5pp |
| Annual return | 24.06% | 35.35%-11.3pp | 69.04%-45.0pp | 81.01%-57.0pp |
| Employer contribution / active EE | $2,243 | $2,116+6.0% | $3,453-35.0% | $2,440-8.1% |
| Participant deferral / active EE | $4,130 | $4,883-15.4% | $5,924-30.3% | $3,608+14.5% |
| Admin fee / account holder | $378 | $4,670-91.9% | $7,744-95.1% | $5,124-92.6% |