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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 | $67,317 | $115,225-41.6% | $100,712-33.2% | $138,895-51.5% |
| Participation rate | 61.5% | 74.3%-12.8pp | 69.3%-7.7pp | 79.9%-18.4pp |
| Annual return | 17.51% | 40.35%-22.8pp | 33.27%-15.8pp | 145.39%-127.9pp |
| Employer contribution / active EE | $1,994 | $2,771-28.0% | $2,313-13.8% | $4,194-52.5% |
| Participant deferral / active EE | $4,804 | $4,699+2.2% | $4,085+17.6% | $6,396-24.9% |
| Admin fee / account holder | $10,127 | $10,844-6.6% | $9,256+9.4% | $12,562-19.4% |