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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 | $77,796 | $87,132-10.7% | $105,624-26.3% | $80,959-3.9% |
| Participation rate | 54.5% | 70.4%-15.9pp | 75.3%-20.7pp | 67.7%-13.1pp |
| Annual return | 11.99% | 17.03%-5.0pp | 116.20%-104.2pp | 35.67%-23.7pp |
| Employer contribution / active EE | $3,639 | $2,397+51.8% | $3,168+14.9% | $2,757+32.0% |
| Participant deferral / active EE | $5,176 | $3,985+29.9% | $5,013+3.3% | $4,300+20.4% |
| Admin fee / account holder | $2,632 | $8,449-68.8% | $10,961-76.0% | $6,925-62.0% |