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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 | $81,476-31.7% | $102,383-45.7% | $80,925-31.3% |
| Participation rate | 30.3% | 66.8%-36.5pp | 74.5%-44.2pp | 67.7%-37.4pp |
| Annual return | 13.06% | 25.59%-12.5pp | 24.94%-11.9pp | 35.65%-22.6pp |
| Employer contribution / active EE | $1,192 | $3,105-61.6% | $3,870-69.2% | $2,756-56.8% |
| Participant deferral / active EE | $1,814 | $3,871-53.1% | $5,060-64.1% | $4,299-57.8% |
| Admin fee / account holder | $3,786 | $6,717-43.6% | $8,391-54.9% | $6,940-45.4% |