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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 | $56,926 | $115,931-50.9% | $185,441-69.3% | $86,983-34.6% |
| Participation rate | 54.3% | 73.6%-19.3pp | 80.3%-26.0pp | 69.5%-15.3pp |
| Annual return | 17.91% | 21.47%-3.6pp | 20.16%-2.3pp | 25.83%-7.9pp |
| Employer contribution / active EE | $830 | $2,937-71.7% | $4,672-82.2% | $2,584-67.9% |
| Participant deferral / active EE | $2,097 | $4,551-53.9% | $6,152-65.9% | $4,194-50.0% |
| Admin fee / account holder | $1,115 | $10,687-89.6% | $17,890-93.8% | $7,856-85.8% |