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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 | $57,291 | $94,031-39.1% | $115,768-50.5% | $82,448-30.5% |
| Participation rate | 64.0% | 70.4%-6.4pp | 74.4%-10.4pp | 68.1%-4.1pp |
| Annual return | 14.61% | 20.61%-6.0pp | 100.46%-85.8pp | 41.64%-27.0pp |
| Employer contribution / active EE | $1,076 | $2,323-53.7% | $2,940-63.4% | $2,551-57.8% |
| Participant deferral / active EE | $4,393 | $3,972+10.6% | $4,917-10.7% | $4,139+6.1% |
| Admin fee / account holder | $2,697 | $10,249-73.7% | $12,439-78.3% | $7,234-62.7% |