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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 | $53,077 | $57,590-7.8% | $86,233-38.4% | $82,448-35.6% |
| Participation rate | 53.0% | 57.9%-4.8pp | 69.0%-16.0pp | 68.1%-15.0pp |
| Annual return | 16.93% | 22.41%-5.5pp | 61.39%-44.5pp | 41.64%-24.7pp |
| Employer contribution / active EE | $2,568 | $1,655+55.1% | $2,504+2.5% | $2,551+0.7% |
| Participant deferral / active EE | $5,485 | $3,080+78.1% | $4,559+20.3% | $4,139+32.5% |
| Admin fee / account holder | $14,335 | $4,730+203.0% | $8,342+71.8% | $7,234+98.2% |