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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 | $70,446 | $72,027-2.2% | $185,835-62.1% | $79,852-11.8% |
| Participation rate | 20.4% | 65.8%-45.4pp | 78.0%-57.7pp | 69.6%-49.3pp |
| Annual return | 15.02% | 23.13%-8.1pp | 35.96%-20.9pp | 31.72%-16.7pp |
| Employer contribution / active EE | $1,274 | $1,965-35.2% | $4,087-68.8% | $2,471-48.4% |
| Participant deferral / active EE | $1,628 | $3,780-56.9% | $5,633-71.1% | $3,740-56.5% |
| Admin fee / account holder | $2,483 | $4,513-45.0% | $9,502-73.9% | $5,306-53.2% |