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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 | $68,038 | $84,953-19.9% | $163,379-58.4% | $82,637-17.7% |
| Participation rate | 59.5% | 65.9%-6.4pp | 76.8%-17.3pp | 68.1%-8.5pp |
| Annual return | 18.59% | 23.07%-4.5pp | 63.41%-44.8pp | 53.51%-34.9pp |
| Employer contribution / active EE | $1,422 | $2,183-34.9% | $3,752-62.1% | $2,552-44.3% |
| Participant deferral / active EE | $2,194 | $4,326-49.3% | $6,282-65.1% | $4,126-46.8% |
| Admin fee / account holder | $7,764 | $7,921-2.0% | $9,818-20.9% | $7,339+5.8% |