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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 | $82,098 | $95,453-14.0% | $112,040-26.7% | $82,448-0.4% |
| Participation rate | 58.7% | 72.8%-14.1pp | 76.5%-17.8pp | 68.1%-9.4pp |
| Annual return | 16.02% | 23.92%-7.9pp | 24.52%-8.5pp | 41.64%-25.6pp |
| Employer contribution / active EE | $5,528 | $2,318+138.5% | $2,954+87.1% | $2,551+116.7% |
| Participant deferral / active EE | $10,727 | $4,224+154.0% | $5,098+110.4% | $4,139+159.1% |
| Admin fee / account holder | $19,944 | $9,013+121.3% | $12,098+64.9% | $7,234+175.7% |