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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 | $58,135 | $105,623-45.0% | $87,502-33.6% | $273,972-78.8% |
| Participation rate | 66.7% | 78.2%-11.5pp | 73.8%-7.2pp | 83.0%-16.3pp |
| Annual return | 9.69% | 12.26%-2.6pp | 12.21%-2.5pp | 41.46%-31.8pp |
| Employer contribution / active EE | $1,215 | $3,141-61.3% | $2,550-52.3% | $4,869-75.0% |
| Participant deferral / active EE | $2,920 | $3,601-18.9% | $3,149-7.3% | $5,287-44.8% |
| Admin fee / account holder | $7,059 | $4,781+47.7% | $4,221+67.2% | $10,133-30.3% |