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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 | $57,668 | $89,259-35.4% | $107,187-46.2% | $82,637-30.2% |
| Participation rate | 60.8% | 67.9%-7.1pp | 75.0%-14.2pp | 68.1%-7.3pp |
| Annual return | 15.00% | 21.02%-6.0pp | 204.55%-189.5pp | 53.51%-38.5pp |
| Employer contribution / active EE | $3,120 | $3,080+1.3% | $3,782-17.5% | $2,552+22.2% |
| Participant deferral / active EE | $3,353 | $4,037-17.0% | $5,096-34.2% | $4,126-18.7% |
| Admin fee / account holder | $13,972 | $7,381+89.3% | $9,162+52.5% | $7,339+90.4% |