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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 | $80,684 | $102,609-21.4% | $98,090-17.7% | $138,895-41.9% |
| Participation rate | 54.5% | 82.8%-28.2pp | 81.5%-27.0pp | 79.9%-25.4pp |
| Annual return | 12.76% | 36.44%-23.7pp | 37.05%-24.3pp | 145.39%-132.6pp |
| Employer contribution / active EE | $2,210 | $3,867-42.8% | $3,606-38.7% | $4,194-47.3% |
| Participant deferral / active EE | $6,203 | $8,167-24.1% | $7,845-20.9% | $6,396-3.0% |
| Admin fee / account holder | $33,646 | $11,434+194.3% | $11,815+184.8% | $12,562+167.8% |