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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 | $77,466 | $81,331-4.8% | $155,534-50.2% | $80,935-4.3% |
| Participation rate | 52.8% | 66.3%-13.4pp | 78.2%-25.4pp | 67.7%-14.8pp |
| Annual return | 15.66% | 33.37%-17.7pp | 64.92%-49.3pp | 35.66%-20.0pp |
| Employer contribution / active EE | $1,332 | $3,105-57.1% | $4,675-71.5% | $2,757-51.7% |
| Participant deferral / active EE | $4,344 | $3,454+25.8% | $5,630-22.9% | $4,299+1.0% |
| Admin fee / account holder | $5,164 | $7,999-35.4% | $15,900-67.5% | $6,924-25.4% |