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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 | $61,870 | $88,707-30.3% | $74,184-16.6% | $273,972-77.4% |
| Participation rate | 50.0% | 79.4%-29.4pp | 76.6%-26.6pp | 83.0%-33.0pp |
| Annual return | 8.95% | 11.94%-3.0pp | 17.74%-8.8pp | 41.46%-32.5pp |
| Employer contribution / active EE | $2,121 | $3,159-32.9% | $2,370-10.5% | $4,869-56.4% |
| Participant deferral / active EE | $6,319 | $4,212+50.0% | $3,550+78.0% | $5,287+19.5% |
| Admin fee / account holder | $4,728 | $8,717-45.8% | $5,586-15.4% | $10,133-53.3% |