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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 | $68,393 | $79,955-14.5% | $98,461-30.5% | $75,173-9.0% |
| Participation rate | 58.1% | 70.4%-12.3pp | 75.2%-17.1pp | 67.2%-9.1pp |
| Annual return | 15.51% | 19.75%-4.2pp | 21.17%-5.7pp | 160.72%-145.2pp |
| Employer contribution / active EE | $748 | $2,264-67.0% | $3,049-75.5% | $2,671-72.0% |
| Participant deferral / active EE | $2,539 | $3,752-32.3% | $4,738-46.4% | $4,126-38.5% |
| Admin fee / account holder | $5,386 | $6,841-21.3% | $8,961-39.9% | $5,651-4.7% |