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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 | $58,982 | $81,233-27.4% | $155,567-62.1% | $80,874-27.1% |
| Participation rate | 62.5% | 66.2%-3.7pp | 78.2%-15.7pp | 67.6%-5.1pp |
| Annual return | 13.22% | 33.33%-20.1pp | 64.74%-51.5pp | 35.62%-22.4pp |
| Employer contribution / active EE | $881 | $3,101-71.6% | $4,674-81.2% | $2,756-68.0% |
| Participant deferral / active EE | $2,902 | $3,452-15.9% | $5,628-48.4% | $4,297-32.5% |
| Admin fee / account holder | $7,860 | $7,998-1.7% | $15,916-50.6% | $6,935+13.3% |