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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 | $62,672 | $108,825-42.4% | $156,181-59.9% | $82,448-24.0% |
| Participation rate | 51.9% | 72.4%-20.5pp | 78.8%-27.0pp | 68.1%-16.2pp |
| Annual return | 21.81% | 20.59%+1.2pp | 64.87%-43.1pp | 41.64%-19.8pp |
| Employer contribution / active EE | $985 | $2,870-65.7% | $4,294-77.1% | $2,551-61.4% |
| Participant deferral / active EE | $3,660 | $4,577-20.0% | $6,132-40.3% | $4,139-11.6% |
| Admin fee / account holder | $1,288 | $9,341-86.2% | $14,586-91.2% | $7,234-82.2% |