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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 | $106,864-27.3% | $147,318-47.3% | $82,637-6.0% |
| Participation rate | 53.8% | 75.5%-21.7pp | 82.1%-28.2pp | 68.1%-14.2pp |
| Annual return | 19.50% | 27.49%-8.0pp | 70.43%-50.9pp | 53.51%-34.0pp |
| Employer contribution / active EE | $3,492 | $3,417+2.2% | $4,593-24.0% | $2,552+36.8% |
| Participant deferral / active EE | $6,432 | $6,496-1.0% | $7,906-18.6% | $4,126+55.9% |
| Admin fee / account holder | $3,679 | $8,415-56.3% | $13,708-73.2% | $7,339-49.9% |