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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 | $64,461 | $94,031-31.4% | $115,768-44.3% | $82,448-21.8% |
| Participation rate | 60.0% | 70.4%-10.4pp | 74.4%-14.4pp | 68.1%-8.1pp |
| Annual return | 16.04% | 20.61%-4.6pp | 100.46%-84.4pp | 41.64%-25.6pp |
| Employer contribution / active EE | $1,520 | $2,323-34.6% | $2,940-48.3% | $2,551-40.4% |
| Participant deferral / active EE | $3,039 | $3,972-23.5% | $4,917-38.2% | $4,139-26.6% |
| Admin fee / account holder | $2,662 | $10,249-74.0% | $12,439-78.6% | $7,234-63.2% |