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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 | $41,597 | $105,623-60.6% | $87,502-52.5% | $273,972-84.8% |
| Participation rate | 60.0% | 78.2%-18.2pp | 73.8%-13.8pp | 83.0%-23.0pp |
| Annual return | 5.51% | 12.26%-6.7pp | 12.21%-6.7pp | 41.46%-35.9pp |
| Employer contribution / active EE | $1,050 | $3,141-66.6% | $2,550-58.8% | $4,869-78.4% |
| Participant deferral / active EE | $2,971 | $3,601-17.5% | $3,149-5.7% | $5,287-43.8% |
| Admin fee / account holder | $3,638 | $4,781-23.9% | $4,221-13.8% | $10,133-64.1% |