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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 | $60,140 | $108,825-44.7% | $156,181-61.5% | $82,448-27.1% |
| Participation rate | 59.2% | 72.4%-13.2pp | 78.8%-19.6pp | 68.1%-8.9pp |
| Annual return | 24.28% | 20.59%+3.7pp | 64.87%-40.6pp | 41.64%-17.4pp |
| Employer contribution / active EE | $2,436 | $2,870-15.1% | $4,294-43.3% | $2,551-4.5% |
| Participant deferral / active EE | $4,498 | $4,577-1.7% | $6,132-26.7% | $4,139+8.7% |
| Admin fee / account holder | $4,629 | $9,341-50.4% | $14,586-68.3% | $7,234-36.0% |