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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 | $75,024 | $77,472-3.2% | $100,415-25.3% | $80,959-7.3% |
| Participation rate | 57.7% | 76.9%-19.3pp | 81.5%-23.8pp | 67.7%-10.0pp |
| Annual return | 14.83% | 37.26%-22.4pp | 49.47%-34.6pp | 35.67%-20.8pp |
| Employer contribution / active EE | $1,856 | $2,800-33.7% | $3,943-52.9% | $2,757-32.7% |
| Participant deferral / active EE | $5,245 | $6,818-23.1% | $8,091-35.2% | $4,300+22.0% |
| Admin fee / account holder | $580 | $5,885-90.1% | $7,906-92.7% | $6,925-91.6% |