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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 | $80,162 | $106,749-24.9% | $145,433-44.9% | $82,448-2.8% |
| Participation rate | 63.2% | 75.6%-12.5pp | 82.1%-19.0pp | 68.1%-4.9pp |
| Annual return | 15.81% | 27.59%-11.8pp | 66.58%-50.8pp | 41.64%-25.8pp |
| Employer contribution / active EE | $2,613 | $3,444-24.1% | $4,554-42.6% | $2,551+2.4% |
| Participant deferral / active EE | $5,946 | $6,519-8.8% | $7,897-24.7% | $4,139+43.6% |
| Admin fee / account holder | $34,650 | $8,390+313.0% | $13,129+163.9% | $7,234+379.0% |