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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 | $56,281 | $101,950-44.8% | $125,529-55.2% | $86,983-35.3% |
| Participation rate | 62.9% | 70.2%-7.3pp | 74.7%-11.9pp | 69.5%-6.7pp |
| Annual return | 12.39% | 18.29%-5.9pp | 202.56%-190.2pp | 25.83%-13.4pp |
| Employer contribution / active EE | $2,679 | $2,358+13.6% | $3,058-12.4% | $2,584+3.7% |
| Participant deferral / active EE | $6,683 | $3,862+73.0% | $4,813+38.9% | $4,194+59.4% |
| Admin fee / account holder | $19,614 | $12,791+53.3% | $16,298+20.3% | $7,856+149.7% |