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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 | $75,898 | $86,949-12.7% | $102,460-25.9% | $80,959-6.3% |
| Participation rate | 51.6% | 72.4%-20.8pp | 76.5%-24.9pp | 67.7%-16.1pp |
| Annual return | 13.42% | 18.89%-5.5pp | 29.47%-16.1pp | 35.67%-22.3pp |
| Employer contribution / active EE | $1,226 | $2,370-48.2% | $3,025-59.5% | $2,757-55.5% |
| Participant deferral / active EE | $3,945 | $4,121-4.3% | $5,056-22.0% | $4,300-8.3% |
| Admin fee / account holder | $2,692 | $8,048-66.5% | $9,460-71.5% | $6,925-61.1% |