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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 | $114,712-47.6% | $173,730-65.4% | $87,485-31.3% |
| Participation rate | 59.2% | 73.0%-13.8pp | 79.6%-20.4pp | 68.9%-9.7pp |
| Annual return | 24.28% | 20.18%+4.1pp | 19.96%+4.3pp | 26.06%-1.8pp |
| Employer contribution / active EE | $2,436 | $2,904-16.1% | $4,577-46.8% | $2,596-6.2% |
| Participant deferral / active EE | $4,498 | $4,642-3.1% | $6,326-28.9% | $4,274+5.2% |
| Admin fee / account holder | $4,629 | $10,210-54.7% | $17,523-73.6% | $7,775-40.5% |