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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 | $75,058-15.2% | $152,301-58.2% | $64,340-1.1% |
| Participation rate | 44.6% | 60.9%-16.3pp | 82.4%-37.8pp | 55.2%-10.6pp |
| Annual return | 18.83% | 29.93%-11.1pp | 80.50%-61.7pp | 24.14%-5.3pp |
| Employer contribution / active EE | $1,959 | $2,605-24.8% | $4,624-57.6% | $1,862+5.2% |
| Participant deferral / active EE | $3,879 | $5,041-23.1% | $8,004-51.5% | $2,980+30.2% |
| Admin fee / account holder | $4,793 | $4,050+18.3% | $14,398-66.7% | $3,703+29.4% |