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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 | $86,050-21.4% | $189,758-64.3% | $94,015-28.0% |
| Participation rate | 53.6% | 68.9%-15.3pp | 79.8%-26.2pp | 70.8%-17.2pp |
| Annual return | 17.22% | 17.77%-0.6pp | 52.62%-35.4pp | 17.84%-0.6pp |
| Employer contribution / active EE | $2,045 | $2,819-27.5% | $4,767-57.1% | $2,790-26.7% |
| Participant deferral / active EE | $3,297 | $3,349-1.5% | $5,856-43.7% | $4,249-22.4% |
| Admin fee / account holder | $15,696 | $6,627+136.9% | $20,388-23.0% | $8,951+75.4% |