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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 | $52,683 | $73,787-28.6% | $98,716-46.6% | $82,448-36.1% |
| Participation rate | 59.1% | 61.4%-2.3pp | 69.3%-10.2pp | 68.1%-9.0pp |
| Annual return | 13.82% | 18.57%-4.7pp | 31.81%-18.0pp | 41.64%-27.8pp |
| Employer contribution / active EE | $1,398 | $1,511-7.5% | $2,279-38.6% | $2,551-45.2% |
| Participant deferral / active EE | $4,892 | $3,081+58.7% | $4,048+20.9% | $4,139+18.2% |
| Admin fee / account holder | $9,827 | $6,500+51.2% | $8,703+12.9% | $7,234+35.8% |