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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 | $61,899 | $81,504-24.1% | $102,437-39.6% | $80,959-23.5% |
| Participation rate | 43.2% | 66.9%-23.7pp | 74.5%-31.3pp | 67.7%-24.5pp |
| Annual return | 12.15% | 25.60%-13.4pp | 24.95%-12.8pp | 35.67%-23.5pp |
| Employer contribution / active EE | $1,772 | $3,104-42.9% | $3,871-54.2% | $2,757-35.7% |
| Participant deferral / active EE | $3,230 | $3,871-16.6% | $5,060-36.2% | $4,300-24.9% |
| Admin fee / account holder | $7,881 | $6,719+17.3% | $8,388-6.0% | $6,925+13.8% |