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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 | $54,445 | $81,358-33.1% | $155,556-65.0% | $80,959-32.8% |
| Participation rate | 63.0% | 66.3%-3.3pp | 78.2%-15.2pp | 67.7%-4.7pp |
| Annual return | 19.39% | 33.39%-14.0pp | 64.84%-45.4pp | 35.67%-16.3pp |
| Employer contribution / active EE | $3,098 | $3,106-0.3% | $4,675-33.7% | $2,757+12.4% |
| Participant deferral / active EE | $3,886 | $3,455+12.5% | $5,631-31.0% | $4,300-9.6% |
| Admin fee / account holder | $964 | $7,994-87.9% | $15,885-93.9% | $6,925-86.1% |