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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 | $62,865 | $81,358-22.7% | $155,556-59.6% | $80,959-22.3% |
| Participation rate | 59.7% | 66.3%-6.6pp | 78.2%-18.5pp | 67.7%-8.0pp |
| Annual return | 12.45% | 33.39%-20.9pp | 64.84%-52.4pp | 35.67%-23.2pp |
| Employer contribution / active EE | $4,747 | $3,106+52.8% | $4,675+1.5% | $2,757+72.2% |
| Participant deferral / active EE | $10,433 | $3,455+201.9% | $5,631+85.3% | $4,300+142.6% |
| Admin fee / account holder | $8,644 | $7,994+8.1% | $15,885-45.6% | $6,925+24.8% |