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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 | $53,229 | $73,988-28.1% | $96,538-44.9% | $75,177-29.2% |
| Participation rate | 53.8% | 66.4%-12.7pp | 74.3%-20.6pp | 67.2%-13.4pp |
| Annual return | 14.81% | 26.73%-11.9pp | 35.74%-20.9pp | 160.75%-145.9pp |
| Employer contribution / active EE | $1,281 | $2,930-56.3% | $3,740-65.8% | $2,671-52.0% |
| Participant deferral / active EE | $3,602 | $3,660-1.6% | $4,880-26.2% | $4,126-12.7% |
| Admin fee / account holder | $3,260 | $5,220-37.5% | $6,737-51.6% | $5,651-42.3% |