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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 | $55,624 | $81,504-31.8% | $102,437-45.7% | $80,959-31.3% |
| Participation rate | 30.3% | 66.9%-36.5pp | 74.5%-44.2pp | 67.7%-37.4pp |
| Annual return | 13.06% | 25.60%-12.5pp | 24.95%-11.9pp | 35.67%-22.6pp |
| Employer contribution / active EE | $1,192 | $3,104-61.6% | $3,871-69.2% | $2,757-56.8% |
| Participant deferral / active EE | $1,814 | $3,871-53.1% | $5,060-64.2% | $4,300-57.8% |
| Admin fee / account holder | $3,786 | $6,719-43.7% | $8,388-54.9% | $6,925-45.3% |