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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 | $55,686 | $106,864-47.9% | $147,318-62.2% | $82,637-32.6% |
| Participation rate | 35.9% | 75.5%-39.6pp | 82.1%-46.2pp | 68.1%-32.2pp |
| Annual return | 20.63% | 27.49%-6.9pp | 70.43%-49.8pp | 53.51%-32.9pp |
| Employer contribution / active EE | $2,406 | $3,417-29.6% | $4,593-47.6% | $2,552-5.7% |
| Participant deferral / active EE | $4,672 | $6,496-28.1% | $7,906-40.9% | $4,126+13.2% |
| Admin fee / account holder | $6,906 | $8,415-17.9% | $13,708-49.6% | $7,339-5.9% |