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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 | $68,611 | $86,919-21.1% | $102,457-33.0% | $80,911-15.2% |
| Participation rate | 50.5% | 72.4%-21.8pp | 76.5%-26.0pp | 67.6%-17.1pp |
| Annual return | 10.78% | 18.90%-8.1pp | 29.41%-18.6pp | 35.63%-24.9pp |
| Employer contribution / active EE | $1,220 | $2,368-48.5% | $3,022-59.6% | $2,756-55.7% |
| Participant deferral / active EE | $1,873 | $4,119-54.5% | $5,054-62.9% | $4,297-56.4% |
| Admin fee / account holder | $4,870 | $8,049-39.5% | $9,451-48.5% | $6,935-29.8% |