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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 | $82,825 | $93,064-11.0% | $74,577+11.1% | $273,972-69.8% |
| Participation rate | 33.3% | 74.9%-41.6pp | 68.1%-34.8pp | 83.0%-49.7pp |
| Annual return | 2.95% | 26.18%-23.2pp | 20.47%-17.5pp | 41.46%-38.5pp |
| Employer contribution / active EE | $5,118 | $3,160+62.0% | $2,525+102.7% | $4,869+5.1% |
| Participant deferral / active EE | $6,014 | $4,160+44.6% | $3,458+73.9% | $5,287+13.8% |
| Admin fee / account holder | $3,735 | $5,273-29.2% | $4,138-9.7% | $10,133-63.1% |