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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 | $36,158 | $86,701-58.3% | $73,309-50.7% | $125,388-71.2% |
| Participation rate | 54.5% | 78.6%-24.1pp | 74.9%-20.4pp | 83.2%-28.6pp |
| Annual return | 5.77% | 2.78%+3.0pp | 5.67%+0.1pp | 282.24%-276.5pp |
| Employer contribution / active EE | $1,652 | $4,152-60.2% | $3,237-49.0% | $4,866-66.0% |
| Participant deferral / active EE | $3,248 | $5,549-41.5% | $4,991-34.9% | $5,352-39.3% |
| Admin fee / account holder | $7,400 | $7,768-4.7% | $5,635+31.3% | $9,541-22.4% |