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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 | $48,283 | $105,623-54.3% | $87,502-44.8% | $273,972-82.4% |
| Participation rate | 64.3% | 78.2%-13.9pp | 73.8%-9.6pp | 83.0%-18.7pp |
| Annual return | 5.56% | 12.26%-6.7pp | 12.21%-6.7pp | 41.46%-35.9pp |
| Employer contribution / active EE | $2,711 | $3,141-13.7% | $2,550+6.3% | $4,869-44.3% |
| Participant deferral / active EE | $6,292 | $3,601+74.7% | $3,149+99.8% | $5,287+19.0% |
| Admin fee / account holder | $15,230 | $4,781+218.6% | $4,221+260.9% | $10,133+50.3% |