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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 | $50,626 | $101,752-50.2% | $164,928-69.3% | $80,911-37.4% |
| Participation rate | 69.6% | 71.8%-2.3pp | 78.6%-9.1pp | 67.6%+1.9pp |
| Annual return | 11.91% | 16.73%-4.8pp | 70.08%-58.2pp | 35.63%-23.7pp |
| Employer contribution / active EE | $2,187 | $2,953-26.0% | $4,343-49.7% | $2,756-20.7% |
| Participant deferral / active EE | $3,985 | $4,477-11.0% | $6,034-33.9% | $4,297-7.3% |
| Admin fee / account holder | $14,429 | $8,218+75.6% | $12,684+13.8% | $6,935+108.1% |