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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 | $81,233-34.6% | $155,567-65.9% | $80,874-34.3% |
| Participation rate | 57.6% | 66.2%-8.7pp | 78.2%-20.6pp | 67.6%-10.1pp |
| Annual return | 13.47% | 33.33%-19.9pp | 64.74%-51.3pp | 35.62%-22.1pp |
| Employer contribution / active EE | $2,902 | $3,101-6.4% | $4,674-37.9% | $2,756+5.3% |
| Participant deferral / active EE | $5,213 | $3,452+51.0% | $5,628-7.4% | $4,297+21.3% |
| Admin fee / account holder | $9,783 | $7,998+22.3% | $15,916-38.5% | $6,935+41.1% |