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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 | $53,947 | $81,358-33.7% | $155,556-65.3% | $80,959-33.4% |
| Participation rate | 36.6% | 66.3%-29.7pp | 78.2%-41.6pp | 67.7%-31.1pp |
| Annual return | 16.96% | 33.39%-16.4pp | 64.84%-47.9pp | 35.67%-18.7pp |
| Employer contribution / active EE | $1,362 | $3,106-56.1% | $4,675-70.9% | $2,757-50.6% |
| Participant deferral / active EE | $3,552 | $3,455+2.8% | $5,631-36.9% | $4,300-17.4% |
| Admin fee / account holder | $5,948 | $7,994-25.6% | $15,885-62.6% | $6,925-14.1% |