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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 | $58,603 | $81,208-27.8% | $98,920-40.8% | $79,852-26.6% |
| Participation rate | 45.3% | 72.5%-27.2pp | 76.0%-30.7pp | 69.6%-24.4pp |
| Annual return | 17.91% | 60.99%-43.1pp | 196.47%-178.6pp | 31.72%-13.8pp |
| Employer contribution / active EE | $3,052 | $1,960+55.8% | $2,689+13.5% | $2,471+23.5% |
| Participant deferral / active EE | $3,205 | $3,265-1.8% | $4,245-24.5% | $3,740-14.3% |
| Admin fee / account holder | $534 | $6,013-91.1% | $6,643-92.0% | $5,306-89.9% |