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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 | $61,957 | $97,550-36.5% | $120,344-48.5% | $87,485-29.2% |
| Participation rate | 45.0% | 72.8%-27.8pp | 76.7%-31.7pp | 68.9%-23.9pp |
| Annual return | 14.22% | 18.41%-4.2pp | 20.30%-6.1pp | 26.06%-11.8pp |
| Employer contribution / active EE | $1,796 | $2,291-21.6% | $3,020-40.5% | $2,596-30.8% |
| Participant deferral / active EE | $2,990 | $4,230-29.3% | $5,135-41.8% | $4,274-30.0% |
| Admin fee / account holder | $13,032 | $9,543+36.6% | $12,742+2.3% | $7,775+67.6% |