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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 | $53,278 | $77,814-31.5% | $158,223-66.3% | $86,983-38.7% |
| Participation rate | 65.1% | 68.4%-3.3pp | 79.2%-14.1pp | 69.5%-4.4pp |
| Annual return | 20.03% | 30.54%-10.5pp | 52.09%-32.1pp | 25.83%-5.8pp |
| Employer contribution / active EE | $1,018 | $2,592-60.7% | $4,109-75.2% | $2,584-60.6% |
| Participant deferral / active EE | $4,825 | $3,270+47.6% | $5,467-11.7% | $4,194+15.0% |
| Admin fee / account holder | $3,964 | $5,879-32.6% | $16,047-75.3% | $7,856-49.5% |