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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 | $62,804 | $77,962-19.4% | $178,540-64.8% | $80,935-22.4% |
| Participation rate | 60.7% | 65.7%-5.0pp | 77.1%-16.4pp | 67.7%-6.9pp |
| Annual return | 13.93% | 18.10%-4.2pp | 27.15%-13.2pp | 35.66%-21.7pp |
| Employer contribution / active EE | $1,510 | $2,280-33.8% | $3,953-61.8% | $2,757-45.2% |
| Participant deferral / active EE | $3,822 | $4,404-13.2% | $6,281-39.1% | $4,299-11.1% |
| Admin fee / account holder | $10,305 | $7,156+44.0% | $10,424-1.1% | $6,924+48.8% |