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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 | $54,073 | $95,453-43.4% | $112,040-51.7% | $82,448-34.4% |
| Participation rate | 57.1% | 72.8%-15.6pp | 76.5%-19.3pp | 68.1%-10.9pp |
| Annual return | 14.87% | 23.92%-9.1pp | 24.52%-9.7pp | 41.64%-26.8pp |
| Employer contribution / active EE | $1,259 | $2,318-45.7% | $2,954-57.4% | $2,551-50.7% |
| Participant deferral / active EE | $2,278 | $4,224-46.1% | $5,098-55.3% | $4,139-45.0% |
| Admin fee / account holder | $3,498 | $9,013-61.2% | $12,098-71.1% | $7,234-51.7% |