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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 | $73,049 | $80,985-9.8% | $96,576-24.4% | $75,181-2.8% |
| Participation rate | 59.3% | 71.8%-12.5pp | 76.0%-16.7pp | 67.2%-7.9pp |
| Annual return | 24.22% | 27.05%-2.8pp | 25.87%-1.7pp | 160.69%-136.5pp |
| Employer contribution / active EE | $1,913 | $2,282-16.2% | $2,965-35.5% | $2,671-28.4% |
| Participant deferral / active EE | $5,161 | $3,929+31.4% | $4,851+6.4% | $4,126+25.1% |
| Admin fee / account holder | $51,311 | $6,719+663.7% | $8,253+521.7% | $5,650+808.2% |