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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 | $61,615 | $97,550-36.8% | $120,344-48.8% | $87,485-29.6% |
| Participation rate | 43.1% | 72.8%-29.7pp | 76.7%-33.6pp | 68.9%-25.8pp |
| Annual return | 21.57% | 18.41%+3.2pp | 20.30%+1.3pp | 26.06%-4.5pp |
| Employer contribution / active EE | $786 | $2,291-65.7% | $3,020-74.0% | $2,596-69.7% |
| Participant deferral / active EE | $2,060 | $4,230-51.3% | $5,135-59.9% | $4,274-51.8% |
| Admin fee / account holder | $6,188 | $9,543-35.2% | $12,742-51.4% | $7,775-20.4% |