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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 | $63,707 | $101,798-37.4% | $165,071-61.4% | $80,935-21.3% |
| Participation rate | 53.7% | 71.8%-18.2pp | 78.6%-25.0pp | 67.7%-14.0pp |
| Annual return | 22.78% | 16.73%+6.0pp | 70.17%-47.4pp | 35.66%-12.9pp |
| Employer contribution / active EE | $1,668 | $2,954-43.5% | $4,347-61.6% | $2,757-39.5% |
| Participant deferral / active EE | $3,816 | $4,476-14.8% | $6,035-36.8% | $4,299-11.2% |
| Admin fee / account holder | $5,650 | $8,221-31.3% | $12,695-55.5% | $6,924-18.4% |