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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 | $64,976 | $91,179-28.7% | $178,499-63.6% | $79,852-18.6% |
| Participation rate | 56.8% | 69.2%-12.4pp | 81.9%-25.1pp | 69.6%-12.8pp |
| Annual return | 12.03% | 24.19%-12.2pp | 151.10%-139.1pp | 31.72%-19.7pp |
| Employer contribution / active EE | $1,665 | $3,256-48.9% | $5,011-66.8% | $2,471-32.6% |
| Participant deferral / active EE | $3,175 | $3,236-1.9% | $5,202-39.0% | $3,740-15.1% |
| Admin fee / account holder | $3,806 | $6,749-43.6% | $13,986-72.8% | $5,306-28.3% |