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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 | $62,393 | $83,485-25.3% | $125,192-50.2% | $72,975-14.5% |
| Participation rate | 62.0% | 73.3%-11.3pp | 79.8%-17.8pp | 69.5%-7.5pp |
| Annual return | 21.01% | 25.77%-4.8pp | 43.79%-22.8pp | 81.01%-60.0pp |
| Employer contribution / active EE | $1,089 | $2,346-53.6% | $3,866-71.8% | $2,440-55.4% |
| Participant deferral / active EE | $4,078 | $3,586+13.7% | $4,937-17.4% | $3,608+13.0% |
| Admin fee / account holder | $4,986 | $5,518-9.6% | $9,704-48.6% | $5,124-2.7% |