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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 | $61,380 | $81,504-24.7% | $102,437-40.1% | $80,959-24.2% |
| Participation rate | 58.6% | 66.9%-8.2pp | 74.5%-15.9pp | 67.7%-9.0pp |
| Annual return | 16.22% | 25.60%-9.4pp | 24.95%-8.7pp | 35.67%-19.5pp |
| Employer contribution / active EE | $2,225 | $3,104-28.3% | $3,871-42.5% | $2,757-19.3% |
| Participant deferral / active EE | $6,036 | $3,871+55.9% | $5,060+19.3% | $4,300+40.4% |
| Admin fee / account holder | $5,610 | $6,719-16.5% | $8,388-33.1% | $6,925-19.0% |