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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 | $77,781 | $99,345-21.7% | $84,753-8.2% | $273,972-71.6% |
| Participation rate | 57.1% | 80.7%-23.6pp | 76.6%-19.5pp | 83.0%-25.9pp |
| Annual return | 8.55% | 22.93%-14.4pp | 22.78%-14.2pp | 41.46%-32.9pp |
| Employer contribution / active EE | $1,743 | $4,214-58.6% | $3,574-51.2% | $4,869-64.2% |
| Participant deferral / active EE | $3,502 | $4,270-18.0% | $3,712-5.6% | $5,287-33.8% |
| Admin fee / account holder | $4,239 | $6,645-36.2% | $5,333-20.5% | $10,133-58.2% |