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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 | $69,324 | $106,749-35.1% | $145,433-52.3% | $82,448-15.9% |
| Participation rate | 48.1% | 75.6%-27.5pp | 82.1%-34.0pp | 68.1%-19.9pp |
| Annual return | 16.66% | 27.59%-10.9pp | 66.58%-49.9pp | 41.64%-25.0pp |
| Employer contribution / active EE | $1,472 | $3,444-57.3% | $4,554-67.7% | $2,551-42.3% |
| Participant deferral / active EE | $2,489 | $6,519-61.8% | $7,897-68.5% | $4,139-39.9% |
| Admin fee / account holder | $1,562 | $8,390-81.4% | $13,129-88.1% | $7,234-78.4% |