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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 | $68,479 | $81,476-16.0% | $102,383-33.1% | $80,925-15.4% |
| Participation rate | 43.4% | 66.8%-23.4pp | 74.5%-31.1pp | 67.7%-24.2pp |
| Annual return | 12.07% | 25.59%-13.5pp | 24.94%-12.9pp | 35.65%-23.6pp |
| Employer contribution / active EE | $1,417 | $3,105-54.4% | $3,870-63.4% | $2,756-48.6% |
| Participant deferral / active EE | $2,113 | $3,871-45.4% | $5,060-58.2% | $4,299-50.8% |
| Admin fee / account holder | $6,020 | $6,717-10.4% | $8,391-28.3% | $6,940-13.3% |