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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 | $61,542 | $106,749-42.3% | $145,433-57.7% | $82,448-25.4% |
| Participation rate | 67.9% | 75.6%-7.8pp | 82.1%-14.3pp | 68.1%-0.2pp |
| Annual return | 16.18% | 27.59%-11.4pp | 66.58%-50.4pp | 41.64%-25.5pp |
| Employer contribution / active EE | $2,045 | $3,444-40.6% | $4,554-55.1% | $2,551-19.8% |
| Participant deferral / active EE | $10,247 | $6,519+57.2% | $7,897+29.8% | $4,139+147.6% |
| Admin fee / account holder | $15,518 | $8,390+85.0% | $13,129+18.2% | $7,234+114.5% |