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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 | $58,982 | $81,358-27.5% | $155,556-62.1% | $80,959-27.1% |
| Participation rate | 62.5% | 66.3%-3.8pp | 78.2%-15.7pp | 67.7%-5.2pp |
| Annual return | 13.22% | 33.39%-20.2pp | 64.84%-51.6pp | 35.67%-22.4pp |
| Employer contribution / active EE | $881 | $3,106-71.6% | $4,675-81.2% | $2,757-68.1% |
| Participant deferral / active EE | $2,902 | $3,455-16.0% | $5,631-48.5% | $4,300-32.5% |
| Admin fee / account holder | $7,860 | $7,994-1.7% | $15,885-50.5% | $6,925+13.5% |