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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 | $87,132-21.2% | $105,624-35.0% | $80,959-15.2% |
| Participation rate | 51.6% | 70.4%-18.8pp | 75.3%-23.7pp | 67.7%-16.1pp |
| Annual return | 13.93% | 17.03%-3.1pp | 116.20%-102.3pp | 35.67%-21.7pp |
| Employer contribution / active EE | $1,836 | $2,397-23.4% | $3,168-42.0% | $2,757-33.4% |
| Participant deferral / active EE | $4,813 | $3,985+20.8% | $5,013-4.0% | $4,300+11.9% |
| Admin fee / account holder | $6,889 | $8,449-18.5% | $10,961-37.2% | $6,925-0.5% |