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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 | $39,713 | $76,112-47.8% | $96,534-58.9% | $71,511-44.5% |
| Participation rate | 61.5% | 74.4%-12.9pp | 76.0%-14.5pp | 67.9%-6.5pp |
| Annual return | 14.52% | 22.81%-8.3pp | 25.88%-11.4pp | 28.86%-14.3pp |
| Employer contribution / active EE | $1,660 | $2,248-26.2% | $2,965-44.0% | $2,589-35.9% |
| Participant deferral / active EE | $4,841 | $4,217+14.8% | $4,851-0.2% | $4,291+12.8% |
| Admin fee / account holder | $10,509 | $2,708+288.0% | $8,253+27.3% | $1,588+561.6% |