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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 | $61,477 | $97,648-37.0% | $121,663-49.5% | $87,485-29.7% |
| Participation rate | 61.9% | 70.5%-8.6pp | 74.5%-12.6pp | 68.9%-7.0pp |
| Annual return | 15.85% | 18.03%-2.2pp | 147.54%-131.7pp | 26.06%-10.2pp |
| Employer contribution / active EE | $1,518 | $2,300-34.0% | $3,020-49.7% | $2,596-41.5% |
| Participant deferral / active EE | $2,875 | $3,923-26.7% | $4,887-41.2% | $4,274-32.7% |
| Admin fee / account holder | $6,060 | $11,100-45.4% | $14,289-57.6% | $7,775-22.1% |