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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 | $62,093 | $78,015-20.4% | $178,505-65.2% | $80,959-23.3% |
| Participation rate | 61.4% | 65.7%-4.2pp | 77.1%-15.7pp | 67.7%-6.2pp |
| Annual return | 16.47% | 18.10%-1.6pp | 27.16%-10.7pp | 35.67%-19.2pp |
| Employer contribution / active EE | $1,243 | $2,281-45.5% | $3,955-68.6% | $2,757-54.9% |
| Participant deferral / active EE | $5,508 | $4,406+25.0% | $6,280-12.3% | $4,300+28.1% |
| Admin fee / account holder | $1,276 | $7,160-82.2% | $10,428-87.8% | $6,925-81.6% |