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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 | $78,075 | $99,345-21.4% | $84,753-7.9% | $273,972-71.5% |
| Participation rate | 55.6% | 80.7%-25.1pp | 76.6%-21.0pp | 83.0%-27.5pp |
| Annual return | 5.76% | 22.93%-17.2pp | 22.78%-17.0pp | 41.46%-35.7pp |
| Employer contribution / active EE | $2,489 | $4,214-40.9% | $3,574-30.4% | $4,869-48.9% |
| Participant deferral / active EE | $6,565 | $4,270+53.8% | $3,712+76.9% | $5,287+24.2% |
| Admin fee / account holder | $473 | $6,645-92.9% | $5,333-91.1% | $10,133-95.3% |