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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 | $87,037-10.6% | $106,201-26.7% | $80,874-3.8% |
| Participation rate | 54.5% | 70.4%-15.9pp | 75.3%-20.7pp | 67.6%-13.1pp |
| Annual return | 11.99% | 17.05%-5.1pp | 116.26%-104.3pp | 35.62%-23.6pp |
| Employer contribution / active EE | $3,639 | $2,396+51.9% | $3,170+14.8% | $2,756+32.1% |
| Participant deferral / active EE | $5,176 | $3,986+29.8% | $5,012+3.3% | $4,297+20.5% |
| Admin fee / account holder | $2,632 | $8,434-68.8% | $11,039-76.2% | $6,935-62.1% |