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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 | $85,211 | $96,052-11.3% | $118,106-27.9% | $87,485-2.6% |
| Participation rate | 29.0% | 77.0%-48.0pp | 81.9%-52.8pp | 68.9%-39.9pp |
| Annual return | 14.66% | 24.16%-9.5pp | 19.44%-4.8pp | 26.06%-11.4pp |
| Employer contribution / active EE | $2,686 | $3,939-31.8% | $4,698-42.8% | $2,596+3.4% |
| Participant deferral / active EE | $6,933 | $5,793+19.7% | $6,619+4.7% | $4,274+62.2% |
| Admin fee / account holder | $4,293 | $7,618-43.6% | $8,973-52.2% | $7,775-44.8% |