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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 | $40,969 | $76,551-46.5% | $123,894-66.9% | $62,881-34.8% |
| Participation rate | 50.0% | 73.0%-23.0pp | 81.4%-31.4pp | 69.3%-19.3pp |
| Annual return | 6.80% | 18.68%-11.9pp | 47.52%-40.7pp | 20.14%-13.3pp |
| Employer contribution / active EE | $1,126 | $2,882-60.9% | $4,617-75.6% | $2,281-50.6% |
| Participant deferral / active EE | $5,229 | $4,840+8.0% | $5,984-12.6% | $3,203+63.3% |
| Admin fee / account holder | $7,610 | $4,826+57.7% | $8,357-8.9% | $4,296+77.1% |