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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 | $58,213 | $106,524-45.4% | $152,301-61.8% | $87,485-33.5% |
| Participation rate | 63.6% | 75.8%-12.1pp | 82.4%-18.8pp | 68.9%-5.3pp |
| Annual return | 16.03% | 26.89%-10.9pp | 80.50%-64.5pp | 26.06%-10.0pp |
| Employer contribution / active EE | $2,180 | $3,371-35.4% | $4,624-52.9% | $2,596-16.0% |
| Participant deferral / active EE | $4,364 | $6,525-33.1% | $8,004-45.5% | $4,274+2.1% |
| Admin fee / account holder | $601 | $8,287-92.7% | $14,398-95.8% | $7,775-92.3% |