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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 | $50,407 | $60,349-16.5% | $74,184-32.1% | $62,881-19.8% |
| Participation rate | 65.1% | 72.7%-7.6pp | 76.6%-11.5pp | 69.3%-4.2pp |
| Annual return | 6.43% | 21.38%-14.9pp | 17.74%-11.3pp | 20.14%-13.7pp |
| Employer contribution / active EE | $1,223 | $1,680-27.2% | $2,370-48.4% | $2,281-46.4% |
| Participant deferral / active EE | $2,855 | $2,8560% | $3,550-19.6% | $3,203-10.9% |
| Admin fee / account holder | $5,004 | $4,261+17.4% | $5,586-10.4% | $4,296+16.5% |