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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 | $68,624 | $87,037-21.2% | $106,201-35.4% | $80,874-15.1% |
| Participation rate | 51.6% | 70.4%-18.8pp | 75.3%-23.7pp | 67.6%-16.0pp |
| Annual return | 13.93% | 17.05%-3.1pp | 116.26%-102.3pp | 35.62%-21.7pp |
| Employer contribution / active EE | $1,836 | $2,396-23.4% | $3,170-42.1% | $2,756-33.4% |
| Participant deferral / active EE | $4,813 | $3,986+20.7% | $5,012-4.0% | $4,297+12.0% |
| Admin fee / account holder | $6,889 | $8,434-18.3% | $11,039-37.6% | $6,935-0.7% |