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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 | $71,531 | $81,208-11.9% | $98,920-27.7% | $79,856-10.4% |
| Participation rate | 53.8% | 72.5%-18.7pp | 76.0%-22.2pp | 69.6%-15.8pp |
| Annual return | 13.81% | 60.99%-47.2pp | 196.47%-182.7pp | 31.71%-17.9pp |
| Employer contribution / active EE | $1,593 | $1,960-18.7% | $2,689-40.8% | $2,471-35.5% |
| Participant deferral / active EE | $2,692 | $3,265-17.5% | $4,245-36.6% | $3,741-28.0% |
| Admin fee / account holder | $1,292 | $6,013-78.5% | $6,643-80.5% | $5,306-75.6% |