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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 | $58,142 | $95,453-39.1% | $112,040-48.1% | $82,448-29.5% |
| Participation rate | 60.0% | 72.8%-12.8pp | 76.5%-16.5pp | 68.1%-8.1pp |
| Annual return | 18.43% | 23.92%-5.5pp | 24.52%-6.1pp | 41.64%-23.2pp |
| Employer contribution / active EE | $1,300 | $2,318-43.9% | $2,954-56.0% | $2,551-49.0% |
| Participant deferral / active EE | $3,270 | $4,224-22.6% | $5,098-35.9% | $4,139-21.0% |
| Admin fee / account holder | $4,396 | $9,013-51.2% | $12,098-63.7% | $7,234-39.2% |