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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 | $53,119 | $81,358-34.7% | $155,556-65.9% | $80,959-34.4% |
| Participation rate | 57.6% | 66.3%-8.7pp | 78.2%-20.6pp | 67.7%-10.1pp |
| Annual return | 13.47% | 33.39%-19.9pp | 64.84%-51.4pp | 35.67%-22.2pp |
| Employer contribution / active EE | $2,902 | $3,106-6.6% | $4,675-37.9% | $2,757+5.2% |
| Participant deferral / active EE | $5,213 | $3,455+50.9% | $5,631-7.4% | $4,300+21.2% |
| Admin fee / account holder | $9,783 | $7,994+22.4% | $15,885-38.4% | $6,925+41.3% |