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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 | $59,093 | $99,345-40.5% | $84,753-30.3% | $273,972-78.4% |
| Participation rate | 63.6% | 80.7%-17.1pp | 76.6%-13.0pp | 83.0%-19.4pp |
| Annual return | 3.86% | 22.93%-19.1pp | 22.78%-18.9pp | 41.46%-37.6pp |
| Employer contribution / active EE | $1,874 | $4,214-55.5% | $3,574-47.6% | $4,869-61.5% |
| Participant deferral / active EE | $2,767 | $4,270-35.2% | $3,712-25.4% | $5,287-47.7% |
| Admin fee / account holder | $4,374 | $6,645-34.2% | $5,333-18.0% | $10,133-56.8% |