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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 | $95,786 | $161,352-40.6% | $134,172-28.6% | $137,256-30.2% |
| Participation rate | 55.6% | 78.3%-22.7pp | 72.5%-16.9pp | 80.0%-24.4pp |
| Annual return | 12.88% | 28.72%-15.8pp | 25.30%-12.4pp | 220.34%-207.5pp |
| Employer contribution / active EE | $3,759 | $4,099-8.3% | $3,420+9.9% | $4,156-9.6% |
| Participant deferral / active EE | $5,737 | $5,552+3.3% | $4,690+22.3% | $6,407-10.5% |
| Admin fee / account holder | $1,410 | $15,028-90.6% | $12,016-88.3% | $12,270-88.5% |