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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 | $65,571 | $84,953-22.8% | $163,379-59.9% | $82,637-20.7% |
| Participation rate | 50.6% | 65.9%-15.3pp | 76.8%-26.2pp | 68.1%-17.5pp |
| Annual return | 32.65% | 23.07%+9.6pp | 63.41%-30.8pp | 53.51%-20.9pp |
| Employer contribution / active EE | $2,035 | $2,183-6.8% | $3,752-45.8% | $2,552-20.3% |
| Participant deferral / active EE | $2,244 | $4,326-48.1% | $6,282-64.3% | $4,126-45.6% |
| Admin fee / account holder | $3,506 | $7,921-55.7% | $9,818-64.3% | $7,339-52.2% |