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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 | $59,484 | $86,940-31.6% | $102,434-41.9% | $80,935-26.5% |
| Participation rate | 52.9% | 72.4%-19.5pp | 76.5%-23.7pp | 67.7%-14.8pp |
| Annual return | 15.81% | 18.89%-3.1pp | 29.46%-13.6pp | 35.66%-19.9pp |
| Employer contribution / active EE | $1,008 | $2,370-57.4% | $3,023-66.6% | $2,757-63.4% |
| Participant deferral / active EE | $2,449 | $4,121-40.6% | $5,055-51.6% | $4,299-43.0% |
| Admin fee / account holder | $2,739 | $8,047-66.0% | $9,462-71.1% | $6,924-60.5% |