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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 | $56,643 | $126,661-55.3% | $113,397-50.0% | $138,895-59.2% |
| Participation rate | 63.2% | 79.4%-16.3pp | 76.5%-13.3pp | 79.9%-16.8pp |
| Annual return | 16.34% | 25.05%-8.7pp | 23.20%-6.9pp | 145.39%-129.1pp |
| Employer contribution / active EE | $2,618 | $3,456-24.3% | $2,977-12.1% | $4,194-37.6% |
| Participant deferral / active EE | $3,728 | $5,693-34.5% | $5,076-26.6% | $6,396-41.7% |
| Admin fee / account holder | $2,844 | $14,549-80.5% | $11,957-76.2% | $12,562-77.4% |