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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 | $62,287 | $79,955-22.1% | $98,461-36.7% | $75,173-17.1% |
| Participation rate | 54.3% | 70.4%-16.1pp | 75.2%-20.9pp | 67.2%-12.9pp |
| Annual return | 17.63% | 19.75%-2.1pp | 21.17%-3.5pp | 160.72%-143.1pp |
| Employer contribution / active EE | $1,602 | $2,264-29.2% | $3,049-47.4% | $2,671-40.0% |
| Participant deferral / active EE | $4,253 | $3,752+13.3% | $4,738-10.2% | $4,126+3.1% |
| Admin fee / account holder | $972 | $6,841-85.8% | $8,961-89.2% | $5,651-82.8% |