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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 | $75,420 | $77,638-2.9% | $156,551-51.8% | $62,881+19.9% |
| Participation rate | 52.1% | 71.2%-19.1pp | 84.0%-31.9pp | 69.3%-17.2pp |
| Annual return | 6.08% | 50.33%-44.2pp | 32.23%-26.2pp | 20.14%-14.1pp |
| Employer contribution / active EE | $2,445 | $3,444-29.0% | $5,501-55.6% | $2,281+7.2% |
| Participant deferral / active EE | $6,286 | $3,046+106.4% | $4,871+29.1% | $3,203+96.3% |
| Admin fee / account holder | $20,246 | $5,561+264.0% | $13,028+55.4% | $4,296+371.3% |