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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 | $77,707 | $106,749-27.2% | $145,433-46.6% | $82,448-5.7% |
| Participation rate | 53.8% | 75.6%-21.8pp | 82.1%-28.3pp | 68.1%-14.2pp |
| Annual return | 19.50% | 27.59%-8.1pp | 66.58%-47.1pp | 41.64%-22.1pp |
| Employer contribution / active EE | $3,492 | $3,444+1.4% | $4,554-23.3% | $2,551+36.9% |
| Participant deferral / active EE | $6,432 | $6,519-1.3% | $7,897-18.6% | $4,139+55.4% |
| Admin fee / account holder | $3,679 | $8,390-56.1% | $13,129-72.0% | $7,234-49.1% |