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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 | $59,610 | $76,407-22.0% | $150,298-60.3% | $82,448-27.7% |
| Participation rate | 53.3% | 66.4%-13.1pp | 77.8%-24.4pp | 68.1%-14.7pp |
| Annual return | 16.74% | 39.99%-23.3pp | 62.79%-46.0pp | 41.64%-24.9pp |
| Employer contribution / active EE | $2,214 | $2,614-15.3% | $4,154-46.7% | $2,551-13.2% |
| Participant deferral / active EE | $4,520 | $3,214+40.6% | $5,453-17.1% | $4,139+9.2% |
| Admin fee / account holder | $1,054 | $6,352-83.4% | $14,116-92.5% | $7,234-85.4% |