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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 | $97,648-42.4% | $121,663-53.7% | $87,485-35.7% |
| Participation rate | 62.9% | 70.5%-7.6pp | 74.5%-11.6pp | 68.9%-6.1pp |
| Annual return | 12.39% | 18.03%-5.6pp | 147.54%-135.2pp | 26.06%-13.7pp |
| Employer contribution / active EE | $2,679 | $2,300+16.5% | $3,020-11.3% | $2,596+3.2% |
| Participant deferral / active EE | $6,683 | $3,923+70.4% | $4,887+36.8% | $4,274+56.4% |
| Admin fee / account holder | $19,614 | $11,100+76.7% | $14,289+37.3% | $7,775+152.3% |