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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 | $44,624 | $73,978-39.7% | $96,515-53.8% | $75,173-40.6% |
| Participation rate | 60.5% | 66.4%-6.0pp | 74.3%-13.9pp | 67.2%-6.7pp |
| Annual return | 18.58% | 26.72%-8.1pp | 35.73%-17.1pp | 160.72%-142.1pp |
| Employer contribution / active EE | $2,534 | $2,931-13.5% | $3,740-32.2% | $2,671-5.1% |
| Participant deferral / active EE | $2,774 | $3,660-24.2% | $4,880-43.1% | $4,126-32.8% |
| Admin fee / account holder | $2,148 | $5,219-58.8% | $6,735-68.1% | $5,651-62.0% |