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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 | $86,521 | $162,967-46.9% | $135,792-36.3% | $138,895-37.7% |
| Participation rate | 58.8% | 78.3%-19.5pp | 72.6%-13.8pp | 79.9%-21.1pp |
| Annual return | 14.46% | 30.08%-15.6pp | 25.96%-11.5pp | 145.39%-130.9pp |
| Employer contribution / active EE | $1,348 | $4,211-68.0% | $3,496-61.4% | $4,194-67.9% |
| Participant deferral / active EE | $2,214 | $5,640-60.7% | $4,759-53.5% | $6,396-65.4% |
| Admin fee / account holder | $24,304 | $15,306+58.8% | $12,266+98.1% | $12,562+93.5% |