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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 | $70,424 | $81,331-13.4% | $155,534-54.7% | $80,935-13.0% |
| Participation rate | 55.1% | 66.3%-11.1pp | 78.2%-23.1pp | 67.7%-12.5pp |
| Annual return | 17.45% | 33.37%-15.9pp | 64.92%-47.5pp | 35.66%-18.2pp |
| Employer contribution / active EE | $2,858 | $3,105-8.0% | $4,675-38.9% | $2,757+3.7% |
| Participant deferral / active EE | $6,158 | $3,454+78.3% | $5,630+9.4% | $4,299+43.2% |
| Admin fee / account holder | $1,599 | $7,999-80.0% | $15,900-89.9% | $6,924-76.9% |