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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 | $51,316 | $86,050-40.4% | $189,758-73.0% | $94,015-45.4% |
| Participation rate | 51.5% | 68.9%-17.4pp | 79.8%-28.3pp | 70.8%-19.3pp |
| Annual return | 15.08% | 17.77%-2.7pp | 52.62%-37.5pp | 17.84%-2.8pp |
| Employer contribution / active EE | $1,080 | $2,819-61.7% | $4,767-77.3% | $2,790-61.3% |
| Participant deferral / active EE | $4,862 | $3,349+45.2% | $5,856-17.0% | $4,249+14.4% |
| Admin fee / account holder | $780 | $6,627-88.2% | $20,388-96.2% | $8,951-91.3% |