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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 | $44,696 | $76,407-41.5% | $150,298-70.3% | $82,448-45.8% |
| Participation rate | 63.7% | 66.4%-2.7pp | 77.8%-14.0pp | 68.1%-4.3pp |
| Annual return | 24.98% | 39.99%-15.0pp | 62.79%-37.8pp | 41.64%-16.7pp |
| Employer contribution / active EE | $2,420 | $2,614-7.4% | $4,154-41.7% | $2,551-5.1% |
| Participant deferral / active EE | $5,473 | $3,214+70.3% | $5,453+0.4% | $4,139+32.2% |
| Admin fee / account holder | $2,111 | $6,352-66.8% | $14,116-85.0% | $7,234-70.8% |