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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 | $53,951 | $123,478-56.3% | $216,567-75.1% | $94,015-42.6% |
| Participation rate | 65.4% | 75.1%-9.7pp | 81.6%-16.3pp | 70.8%-5.4pp |
| Annual return | 14.04% | 23.61%-9.6pp | 12.94%+1.1pp | 17.84%-3.8pp |
| Employer contribution / active EE | $1,128 | $3,136-64.0% | $5,216-78.4% | $2,790-59.6% |
| Participant deferral / active EE | $4,846 | $4,556+6.4% | $6,191-21.7% | $4,249+14.0% |
| Admin fee / account holder | $671 | $12,753-94.7% | $21,981-96.9% | $8,951-92.5% |