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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 | $58,084 | $64,462-9.9% | $81,482-28.7% | $80,911-28.2% |
| Participation rate | 52.8% | 63.9%-11.1pp | 69.5%-16.7pp | 67.6%-14.9pp |
| Annual return | 11.24% | 16.35%-5.1pp | 24.79%-13.5pp | 35.63%-24.4pp |
| Employer contribution / active EE | $2,313 | $1,979+16.9% | $2,463-6.1% | $2,756-16.1% |
| Participant deferral / active EE | $6,259 | $3,094+102.3% | $3,885+61.1% | $4,297+45.6% |
| Admin fee / account holder | $8,023 | $5,678+41.3% | $5,761+39.3% | $6,935+15.7% |