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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 | $59,156 | $109,620-46.0% | $148,496-60.2% | $94,015-37.1% |
| Participation rate | 61.6% | 71.3%-9.6pp | 76.0%-14.4pp | 70.8%-9.2pp |
| Annual return | 13.27% | 17.54%-4.3pp | 12.33%+0.9pp | 17.84%-4.6pp |
| Employer contribution / active EE | $1,041 | $2,618-60.2% | $3,497-70.2% | $2,790-62.7% |
| Participant deferral / active EE | $2,408 | $3,831-37.2% | $4,808-49.9% | $4,249-43.3% |
| Admin fee / account holder | $2,205 | $10,050-78.1% | $19,547-88.7% | $8,951-75.4% |