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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 | $83,058 | $96,731-14.1% | $123,973-33.0% | $86,983-4.5% |
| Participation rate | 61.3% | 70.0%-8.8pp | 76.7%-15.4pp | 69.5%-8.3pp |
| Annual return | 15.55% | 17.33%-1.8pp | 388.13%-372.6pp | 25.83%-10.3pp |
| Employer contribution / active EE | $2,454 | $3,297-25.6% | $4,126-40.5% | $2,584-5.0% |
| Participant deferral / active EE | $4,374 | $4,152+5.4% | $5,247-16.6% | $4,194+4.3% |
| Admin fee / account holder | $11,986 | $8,722+37.4% | $11,799+1.6% | $7,856+52.6% |