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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 | $68,158 | $106,749-36.2% | $145,433-53.1% | $82,448-17.3% |
| Participation rate | 56.4% | 75.6%-19.2pp | 82.1%-25.7pp | 68.1%-11.7pp |
| Annual return | 19.18% | 27.59%-8.4pp | 66.58%-47.4pp | 41.64%-22.5pp |
| Employer contribution / active EE | $1,424 | $3,444-58.7% | $4,554-68.7% | $2,551-44.2% |
| Participant deferral / active EE | $3,116 | $6,519-52.2% | $7,897-60.5% | $4,139-24.7% |
| Admin fee / account holder | $3,478 | $8,390-58.5% | $13,129-73.5% | $7,234-51.9% |