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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 | $60,364 | $93,598-35.5% | $135,974-55.6% | $75,173-19.7% |
| Participation rate | 60.5% | 75.2%-14.7pp | 81.9%-21.4pp | 67.2%-6.7pp |
| Annual return | 19.58% | 30.89%-11.3pp | 68.30%-48.7pp | 160.72%-141.1pp |
| Employer contribution / active EE | $1,814 | $3,538-48.7% | $4,859-62.7% | $2,671-32.1% |
| Participant deferral / active EE | $4,690 | $6,405-26.8% | $7,760-39.6% | $4,126+13.7% |
| Admin fee / account holder | $17,843 | $6,978+155.7% | $10,767+65.7% | $5,651+215.8% |