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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 | $31,808 | $99,341-68.0% | $84,750-62.5% | $273,965-88.4% |
| Participation rate | 61.5% | 80.7%-19.2pp | 76.6%-15.1pp | 83.0%-21.5pp |
| Annual return | 5.06% | 22.93%-17.9pp | 22.78%-17.7pp | 41.45%-36.4pp |
| Employer contribution / active EE | $1,095 | $4,214-74.0% | $3,574-69.4% | $4,869-77.5% |
| Participant deferral / active EE | $3,095 | $4,269-27.5% | $3,712-16.6% | $5,287-41.5% |
| Admin fee / account holder | $5,086 | $6,644-23.5% | $5,332-4.6% | $10,132-49.8% |