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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 | $56,548 | $94,031-39.9% | $115,768-51.2% | $82,448-31.4% |
| Participation rate | 53.3% | 70.4%-17.1pp | 74.4%-21.1pp | 68.1%-14.7pp |
| Annual return | 16.79% | 20.61%-3.8pp | 100.46%-83.7pp | 41.64%-24.8pp |
| Employer contribution / active EE | $1,036 | $2,323-55.4% | $2,940-64.8% | $2,551-59.4% |
| Participant deferral / active EE | $4,408 | $3,972+11.0% | $4,917-10.3% | $4,139+6.5% |
| Admin fee / account holder | $1,757 | $10,249-82.9% | $12,439-85.9% | $7,234-75.7% |