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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 | $63,619 | $76,642-17.0% | $146,866-56.7% | $65,306-2.6% |
| Participation rate | 44.6% | 61.2%-16.6pp | 82.5%-37.9pp | 57.7%-13.0pp |
| Annual return | 18.83% | 33.40%-14.6pp | 102.85%-84.0pp | 21.94%-3.1pp |
| Employer contribution / active EE | $1,959 | $2,621-25.2% | $4,425-55.7% | $1,967-0.4% |
| Participant deferral / active EE | $3,879 | $4,864-20.3% | $7,759-50.0% | $2,959+31.1% |
| Admin fee / account holder | $4,793 | $3,960+21.0% | $13,620-64.8% | $3,480+37.7% |