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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 | $78,575 | $91,086-13.7% | $203,872-61.5% | $86,983-9.7% |
| Participation rate | 61.9% | 65.8%-4.0pp | 77.8%-15.9pp | 69.5%-7.7pp |
| Annual return | 19.80% | 22.30%-2.5pp | 85.11%-65.3pp | 25.83%-6.0pp |
| Employer contribution / active EE | $1,241 | $2,063-39.9% | $3,757-67.0% | $2,584-52.0% |
| Participant deferral / active EE | $3,998 | $4,019-0.5% | $6,388-37.4% | $4,194-4.7% |
| Admin fee / account holder | $4,428 | $8,987-50.7% | $11,730-62.2% | $7,856-43.6% |