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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 | $45,065 | $87,834-48.7% | $133,975-66.4% | $62,881-28.3% |
| Participation rate | 63.2% | 83.4%-20.2pp | 87.1%-23.9pp | 69.3%-6.1pp |
| Annual return | 11.79% | 12.05%-0.3pp | 29.29%-17.5pp | 20.14%-8.4pp |
| Employer contribution / active EE | $1,300 | $3,482-62.7% | $5,211-75.0% | $2,281-43.0% |
| Participant deferral / active EE | $3,440 | $4,812-28.5% | $6,282-45.2% | $3,203+7.4% |
| Admin fee / account holder | $1,333 | $5,372-75.2% | $9,324-85.7% | $4,296-69.0% |