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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 | $60,815 | $95,404-36.3% | $113,397-46.4% | $82,637-26.4% |
| Participation rate | 63.6% | 72.8%-9.2pp | 76.5%-12.9pp | 68.1%-4.4pp |
| Annual return | 13.94% | 19.08%-5.1pp | 23.20%-9.3pp | 53.51%-39.6pp |
| Employer contribution / active EE | $2,036 | $2,307-11.7% | $2,977-31.6% | $2,552-20.2% |
| Participant deferral / active EE | $4,821 | $4,220+14.2% | $5,076-5.0% | $4,126+16.8% |
| Admin fee / account holder | $23,755 | $9,168+159.1% | $11,957+98.7% | $7,339+223.7% |