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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 | $71,537 | $95,404-25.0% | $113,397-36.9% | $82,637-13.4% |
| Participation rate | 52.1% | 72.8%-20.7pp | 76.5%-24.4pp | 68.1%-16.0pp |
| Annual return | 14.65% | 19.08%-4.4pp | 23.20%-8.5pp | 53.51%-38.9pp |
| Employer contribution / active EE | $1,483 | $2,307-35.7% | $2,977-50.2% | $2,552-41.9% |
| Participant deferral / active EE | $3,431 | $4,220-18.7% | $5,076-32.4% | $4,126-16.9% |
| Admin fee / account holder | $8,702 | $9,168-5.1% | $11,957-27.2% | $7,339+18.6% |