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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 | $22,985 | $66,764-65.6% | $88,497-74.0% | $62,881-63.4% |
| Participation rate | 48.6% | 77.3%-28.7pp | 82.4%-33.8pp | 69.3%-20.7pp |
| Annual return | 6.96% | 10.37%-3.4pp | 7.63%-0.7pp | 20.14%-13.2pp |
| Employer contribution / active EE | $1,694 | $3,077-44.9% | $4,036-58.0% | $2,281-25.7% |
| Participant deferral / active EE | $3,887 | $3,976-2.2% | $4,899-20.7% | $3,203+21.4% |
| Admin fee / account holder | $1,265 | $4,668-72.9% | $6,220-79.7% | $4,296-70.6% |