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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 | $46,470 | $96,558-51.9% | $80,977-42.6% | $273,972-83.0% |
| Participation rate | 66.7% | 79.1%-12.4pp | 75.8%-9.1pp | 83.0%-16.3pp |
| Annual return | 9.28% | 15.14%-5.9pp | 17.11%-7.8pp | 41.46%-32.2pp |
| Employer contribution / active EE | $1,778 | $4,869-63.5% | $3,715-52.1% | $4,869-63.5% |
| Participant deferral / active EE | $6,629 | $6,598+0.5% | $5,696+16.4% | $5,287+25.4% |
| Admin fee / account holder | $1,687 | $7,493-77.5% | $5,517-69.4% | $10,133-83.4% |