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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 | $75,415 | $106,864-29.4% | $147,318-48.8% | $82,637-8.7% |
| Participation rate | 41.9% | 75.5%-33.6pp | 82.1%-40.2pp | 68.1%-26.2pp |
| Annual return | 15.71% | 27.49%-11.8pp | 70.43%-54.7pp | 53.51%-37.8pp |
| Employer contribution / active EE | $2,538 | $3,417-25.7% | $4,593-44.7% | $2,552-0.5% |
| Participant deferral / active EE | $6,020 | $6,496-7.3% | $7,906-23.9% | $4,126+45.9% |
| Admin fee / account holder | $30,673 | $8,415+264.5% | $13,708+123.8% | $7,339+318.0% |