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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 | $81,262-33.0% | $155,602-65.0% | $80,911-32.7% |
| Participation rate | 63.0% | 66.2%-3.2pp | 78.2%-15.2pp | 67.6%-4.6pp |
| Annual return | 19.39% | 33.34%-14.0pp | 64.81%-45.4pp | 35.63%-16.2pp |
| Employer contribution / active EE | $3,098 | $3,102-0.1% | $4,675-33.7% | $2,756+12.4% |
| Participant deferral / active EE | $3,886 | $3,451+12.6% | $5,629-31.0% | $4,297-9.6% |
| Admin fee / account holder | $964 | $7,992-87.9% | $15,923-93.9% | $6,935-86.1% |