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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 | $20,619 | $56,894-63.8% | $84,753-75.7% | $62,881-67.2% |
| Participation rate | 52.0% | 68.5%-16.5pp | 76.6%-24.6pp | 69.3%-17.3pp |
| Annual return | 6.88% | 6.30%+0.6pp | 22.78%-15.9pp | 20.14%-13.3pp |
| Employer contribution / active EE | $1,587 | $2,400-33.9% | $3,574-55.6% | $2,281-30.4% |
| Participant deferral / active EE | $3,394 | $2,709+25.3% | $3,712-8.6% | $3,203+6.0% |
| Admin fee / account holder | $1,274 | $3,581-64.4% | $5,333-76.1% | $4,296-70.3% |