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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 | $110,137-41.1% | $161,149-59.7% | $82,637-21.5% |
| Participation rate | 60.0% | 72.4%-12.4pp | 78.8%-18.8pp | 68.1%-8.1pp |
| Annual return | 20.38% | 20.69%-0.3pp | 21.16%-0.8pp | 53.51%-33.1pp |
| Employer contribution / active EE | $1,946 | $2,856-31.8% | $4,360-55.4% | $2,552-23.7% |
| Participant deferral / active EE | $4,447 | $4,575-2.8% | $6,153-27.7% | $4,126+7.8% |
| Admin fee / account holder | $670 | $9,467-92.9% | $15,194-95.6% | $7,339-90.9% |