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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 | $61,634 | $53,774+14.6% | $134,162-54.1% | $79,852-22.8% |
| Participation rate | 42.3% | 58.8%-16.5pp | 72.2%-29.9pp | 69.6%-27.4pp |
| Annual return | 16.19% | 19.01%-2.8pp | 36.35%-20.2pp | 31.72%-15.5pp |
| Employer contribution / active EE | $1,713 | $1,322+29.7% | $3,705-53.8% | $2,471-30.7% |
| Participant deferral / active EE | $4,292 | $2,420+77.4% | $3,500+22.6% | $3,740+14.8% |
| Admin fee / account holder | $646 | $3,985-83.8% | $6,685-90.3% | $5,306-87.8% |