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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 | $25,200 | $60,349-58.2% | $74,184-66.0% | $62,881-59.9% |
| Participation rate | 60.5% | 72.7%-12.2pp | 76.6%-16.1pp | 69.3%-8.8pp |
| Annual return | 6.70% | 21.38%-14.7pp | 17.74%-11.0pp | 20.14%-13.4pp |
| Employer contribution / active EE | $1,527 | $1,680-9.1% | $2,370-35.6% | $2,281-33.1% |
| Participant deferral / active EE | $2,340 | $2,856-18.1% | $3,550-34.1% | $3,203-27.0% |
| Admin fee / account holder | $5,722 | $4,261+34.3% | $5,586+2.4% | $4,296+33.2% |