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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 | $67,653 | $76,407-11.5% | $150,298-55.0% | $82,448-17.9% |
| Participation rate | 53.6% | 66.4%-12.8pp | 77.8%-24.2pp | 68.1%-14.5pp |
| Annual return | 17.22% | 39.99%-22.8pp | 62.79%-45.6pp | 41.64%-24.4pp |
| Employer contribution / active EE | $2,045 | $2,614-21.8% | $4,154-50.8% | $2,551-19.8% |
| Participant deferral / active EE | $3,297 | $3,214+2.6% | $5,453-39.5% | $4,139-20.4% |
| Admin fee / account holder | $15,696 | $6,352+147.1% | $14,116+11.2% | $7,234+117.0% |