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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 | $64,903 | $108,825-40.4% | $156,181-58.4% | $82,448-21.3% |
| Participation rate | 60.0% | 72.4%-12.4pp | 78.8%-18.8pp | 68.1%-8.1pp |
| Annual return | 20.38% | 20.59%-0.2pp | 64.87%-44.5pp | 41.64%-21.3pp |
| Employer contribution / active EE | $1,946 | $2,870-32.2% | $4,294-54.7% | $2,551-23.7% |
| Participant deferral / active EE | $4,447 | $4,577-2.8% | $6,132-27.5% | $4,139+7.4% |
| Admin fee / account holder | $670 | $9,341-92.8% | $14,586-95.4% | $7,234-90.7% |