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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 | $60,818 | $99,345-38.8% | $84,753-28.2% | $273,972-77.8% |
| Participation rate | 47.8% | 80.7%-32.9pp | 76.6%-28.8pp | 83.0%-35.2pp |
| Annual return | 4.97% | 22.93%-18.0pp | 22.78%-17.8pp | 41.46%-36.5pp |
| Employer contribution / active EE | $1,039 | $4,214-75.3% | $3,574-70.9% | $4,869-78.7% |
| Participant deferral / active EE | $2,563 | $4,270-40.0% | $3,712-31.0% | $5,287-51.5% |
| Admin fee / account holder | $1,103 | $6,645-83.4% | $5,333-79.3% | $10,133-89.1% |