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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 | $39,306 | $93,064-57.8% | $74,577-47.3% | $273,972-85.7% |
| Participation rate | 66.7% | 74.9%-8.3pp | 68.1%-1.4pp | 83.0%-16.3pp |
| Annual return | 5.81% | 26.18%-20.4pp | 20.47%-14.7pp | 41.46%-35.6pp |
| Employer contribution / active EE | $1,396 | $3,160-55.8% | $2,525-44.7% | $4,869-71.3% |
| Participant deferral / active EE | $1,915 | $4,160-54.0% | $3,458-44.6% | $5,287-63.8% |
| Admin fee / account holder | $1,637 | $5,273-69.0% | $4,138-60.4% | $10,133-83.8% |