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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 | $53,091 | $56,054-5.3% | $171,082-69.0% | $62,881-15.6% |
| Participation rate | 57.1% | 62.9%-5.7pp | 76.7%-19.6pp | 69.3%-12.2pp |
| Annual return | 6.82% | 22.52%-15.7pp | 32.56%-25.7pp | 20.14%-13.3pp |
| Employer contribution / active EE | $303 | $1,731-82.5% | $4,002-92.4% | $2,281-86.7% |
| Participant deferral / active EE | $2,130 | $3,158-32.5% | $4,797-55.6% | $3,203-33.5% |
| Admin fee / account holder | $1,634 | $3,647-55.2% | $8,520-80.8% | $4,296-62.0% |