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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 | $69,666 | $77,358-9.9% | $102,184-31.8% | $87,485-20.4% |
| Participation rate | 59.3% | 78.7%-19.4pp | 82.6%-23.3pp | 68.9%-9.7pp |
| Annual return | 20.62% | 41.11%-20.5pp | 31.58%-11.0pp | 26.06%-5.4pp |
| Employer contribution / active EE | $3,005 | $2,562+17.3% | $3,594-16.4% | $2,596+15.7% |
| Participant deferral / active EE | $6,301 | $6,753-6.7% | $8,309-24.2% | $4,274+47.4% |
| Admin fee / account holder | $3,894 | $6,809-42.8% | $11,609-66.5% | $7,775-49.9% |