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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 | $82,470 | $99,345-17.0% | $84,753-2.7% | $273,972-69.9% |
| Participation rate | 57.9% | 80.7%-22.8pp | 76.6%-18.7pp | 83.0%-25.1pp |
| Annual return | 8.01% | 22.93%-14.9pp | 22.78%-14.8pp | 41.46%-33.4pp |
| Employer contribution / active EE | $1,310 | $4,214-68.9% | $3,574-63.3% | $4,869-73.1% |
| Participant deferral / active EE | $4,132 | $4,270-3.2% | $3,712+11.3% | $5,287-21.8% |
| Admin fee / account holder | $4,171 | $6,645-37.2% | $5,333-21.8% | $10,133-58.8% |