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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 | $54,234 | $91,559-40.8% | $133,971-59.5% | $79,852-32.1% |
| Participation rate | 61.5% | 73.3%-11.8pp | 79.8%-18.3pp | 69.6%-8.1pp |
| Annual return | 16.44% | 61.85%-45.4pp | 45.09%-28.6pp | 31.72%-15.3pp |
| Employer contribution / active EE | $879 | $2,384-63.1% | $3,919-77.6% | $2,471-64.4% |
| Participant deferral / active EE | $2,092 | $3,734-44.0% | $5,047-58.5% | $3,740-44.1% |
| Admin fee / account holder | $372 | $6,321-94.1% | $8,929-95.8% | $5,306-93.0% |