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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 | $64,917 | $94,031-31.0% | $115,768-43.9% | $82,448-21.3% |
| Participation rate | 57.5% | 70.4%-12.9pp | 74.4%-16.9pp | 68.1%-10.6pp |
| Annual return | 14.30% | 20.61%-6.3pp | 100.46%-86.2pp | 41.64%-27.3pp |
| Employer contribution / active EE | $802 | $2,323-65.5% | $2,940-72.7% | $2,551-68.6% |
| Participant deferral / active EE | $3,340 | $3,972-15.9% | $4,917-32.1% | $4,139-19.3% |
| Admin fee / account holder | $3,775 | $10,249-63.2% | $12,439-69.7% | $7,234-47.8% |