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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 | $63,000 | $99,345-36.6% | $84,753-25.7% | $273,972-77.0% |
| Participation rate | 44.4% | 80.7%-36.3pp | 76.6%-32.1pp | 83.0%-38.6pp |
| Annual return | 10.23% | 22.93%-12.7pp | 22.78%-12.6pp | 41.46%-31.2pp |
| Employer contribution / active EE | $1,895 | $4,214-55.0% | $3,574-47.0% | $4,869-61.1% |
| Participant deferral / active EE | $4,920 | $4,270+15.2% | $3,712+32.5% | $5,287-6.9% |
| Admin fee / account holder | $696 | $6,645-89.5% | $5,333-86.9% | $10,133-93.1% |