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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 | $52,501 | $68,880-23.8% | $120,580-56.5% | $80,959-35.2% |
| Participation rate | 60.7% | 61.7%-1.0pp | 72.0%-11.2pp | 67.7%-7.0pp |
| Annual return | 10.81% | 23.68%-12.9pp | 107.48%-96.7pp | 35.67%-24.9pp |
| Employer contribution / active EE | $1,649 | $2,066-20.2% | $3,469-52.5% | $2,757-40.2% |
| Participant deferral / active EE | $3,887 | $3,191+21.8% | $4,995-22.2% | $4,300-9.6% |
| Admin fee / account holder | $2,135 | $5,785-63.1% | $9,418-77.3% | $6,925-69.2% |