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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 | $54,516 | $95,404-42.9% | $113,397-51.9% | $82,637-34.0% |
| Participation rate | 60.0% | 72.8%-12.8pp | 76.5%-16.5pp | 68.1%-8.1pp |
| Annual return | 15.13% | 19.08%-3.9pp | 23.20%-8.1pp | 53.51%-38.4pp |
| Employer contribution / active EE | $1,349 | $2,307-41.5% | $2,977-54.7% | $2,552-47.1% |
| Participant deferral / active EE | $2,460 | $4,220-41.7% | $5,076-51.5% | $4,126-40.4% |
| Admin fee / account holder | $2,281 | $9,168-75.1% | $11,957-80.9% | $7,339-68.9% |