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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 | $61,210 | $81,504-24.9% | $102,437-40.2% | $80,959-24.4% |
| Participation rate | 41.3% | 66.9%-25.5pp | 74.5%-33.2pp | 67.7%-26.4pp |
| Annual return | 11.44% | 25.60%-14.2pp | 24.95%-13.5pp | 35.67%-24.2pp |
| Employer contribution / active EE | $1,351 | $3,104-56.5% | $3,871-65.1% | $2,757-51.0% |
| Participant deferral / active EE | $4,324 | $3,871+11.7% | $5,060-14.5% | $4,300+0.6% |
| Admin fee / account holder | $4,214 | $6,719-37.3% | $8,388-49.8% | $6,925-39.1% |