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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 | $38,976 | $96,956-59.8% | $69,779-44.1% | $273,972-85.8% |
| Participation rate | 66.7% | 77.1%-10.4pp | 71.8%-5.2pp | 83.0%-16.3pp |
| Annual return | 8.88% | 12.93%-4.0pp | 12.99%-4.1pp | 41.46%-32.6pp |
| Employer contribution / active EE | $2,782 | $3,316-16.1% | $2,338+19.0% | $4,869-42.9% |
| Participant deferral / active EE | $5,580 | $3,744+49.0% | $2,931+90.4% | $5,287+5.5% |
| Admin fee / account holder | $1,954 | $7,934-75.4% | $4,381-55.4% | $10,133-80.7% |