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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 | $100,194-46.0% | $122,979-56.0% | $86,983-37.8% |
| Participation rate | 57.1% | 73.0%-15.8pp | 77.2%-20.0pp | 69.5%-12.4pp |
| Annual return | 14.87% | 16.47%-1.6pp | 20.12%-5.2pp | 25.83%-11.0pp |
| Employer contribution / active EE | $1,259 | $2,326-45.9% | $3,062-58.9% | $2,584-51.3% |
| Participant deferral / active EE | $2,278 | $4,133-44.9% | $5,003-54.5% | $4,194-45.7% |
| Admin fee / account holder | $3,498 | $10,148-65.5% | $12,864-72.8% | $7,856-55.5% |