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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 | $56,385 | $88,707-36.4% | $74,184-24.0% | $273,972-79.4% |
| Participation rate | 56.3% | 79.4%-23.2pp | 76.6%-20.4pp | 83.0%-26.8pp |
| Annual return | 5.62% | 11.94%-6.3pp | 17.74%-12.1pp | 41.46%-35.8pp |
| Employer contribution / active EE | $1,647 | $3,159-47.9% | $2,370-30.5% | $4,869-66.2% |
| Participant deferral / active EE | $2,787 | $4,212-33.8% | $3,550-21.5% | $5,287-47.3% |
| Admin fee / account holder | $460 | $8,717-94.7% | $5,586-91.8% | $10,133-95.5% |