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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 | $63,129 | $88,707-28.8% | $74,184-14.9% | $273,972-77.0% |
| Participation rate | 63.6% | 79.4%-15.8pp | 76.6%-13.0pp | 83.0%-19.4pp |
| Annual return | 5.61% | 11.94%-6.3pp | 17.74%-12.1pp | 41.46%-35.8pp |
| Employer contribution / active EE | $1,332 | $3,159-57.8% | $2,370-43.8% | $4,869-72.6% |
| Participant deferral / active EE | $2,149 | $4,212-49.0% | $3,550-39.5% | $5,287-59.4% |
| Admin fee / account holder | $1,744 | $8,717-80.0% | $5,586-68.8% | $10,133-82.8% |