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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 | $59,888 | $251,004-76.1% | $191,597-68.7% | $138,895-56.9% |
| Participation rate | 57.9% | 82.4%-24.5pp | 76.9%-19.0pp | 79.9%-22.0pp |
| Annual return | 17.05% | 31.05%-14.0pp | 27.07%-10.0pp | 145.39%-128.3pp |
| Employer contribution / active EE | $1,660 | $6,226-73.3% | $5,025-67.0% | $4,194-60.4% |
| Participant deferral / active EE | $4,197 | $8,154-48.5% | $6,850-38.7% | $6,396-34.4% |
| Admin fee / account holder | $14,076 | $31,471-55.3% | $22,799-38.3% | $12,562+12.1% |