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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 | $68,687 | $106,864-35.7% | $147,318-53.4% | $82,637-16.9% |
| Participation rate | 47.9% | 75.5%-27.6pp | 82.1%-34.1pp | 68.1%-20.1pp |
| Annual return | 15.45% | 27.49%-12.0pp | 70.43%-55.0pp | 53.51%-38.1pp |
| Employer contribution / active EE | $1,660 | $3,417-51.4% | $4,593-63.9% | $2,552-35.0% |
| Participant deferral / active EE | $2,826 | $6,496-56.5% | $7,906-64.3% | $4,126-31.5% |
| Admin fee / account holder | $6,584 | $8,415-21.8% | $13,708-52.0% | $7,339-10.3% |