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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 | $59,803 | $78,423-23.7% | $95,964-37.7% | $79,856-25.1% |
| Participation rate | 62.5% | 73.5%-11.0pp | 77.1%-14.6pp | 69.6%-7.1pp |
| Annual return | 18.07% | 19.37%-1.3pp | 91.64%-73.6pp | 31.71%-13.6pp |
| Employer contribution / active EE | $1,826 | $1,945-6.1% | $2,541-28.1% | $2,471-26.1% |
| Participant deferral / active EE | $4,492 | $3,440+30.6% | $4,167+7.8% | $3,741+20.1% |
| Admin fee / account holder | $2,152 | $5,622-61.7% | $6,797-68.3% | $5,306-59.4% |