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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 | $55,346 | $64,920-14.7% | $103,693-46.6% | $86,983-36.4% |
| Participation rate | 50.0% | 63.6%-13.6pp | 72.6%-22.6pp | 69.5%-19.5pp |
| Annual return | 13.22% | 30.29%-17.1pp | 47.61%-34.4pp | 25.83%-12.6pp |
| Employer contribution / active EE | $1,396 | $2,141-34.8% | $2,920-52.2% | $2,584-46.0% |
| Participant deferral / active EE | $3,333 | $3,241+2.8% | $4,579-27.2% | $4,194-20.5% |
| Admin fee / account holder | $6,973 | $6,191+12.6% | $7,858-11.3% | $7,856-11.2% |