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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 | $73,264 | $101,798-28.0% | $165,071-55.6% | $80,935-9.5% |
| Participation rate | 58.3% | 71.8%-13.5pp | 78.6%-20.3pp | 67.7%-9.3pp |
| Annual return | 14.73% | 16.73%-2.0pp | 70.17%-55.4pp | 35.66%-20.9pp |
| Employer contribution / active EE | $1,050 | $2,954-64.4% | $4,347-75.8% | $2,757-61.9% |
| Participant deferral / active EE | $5,141 | $4,476+14.9% | $6,035-14.8% | $4,299+19.6% |
| Admin fee / account holder | $1,796 | $8,221-78.2% | $12,695-85.9% | $6,924-74.1% |