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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 | $59,626 | $82,882-28.1% | $127,803-53.3% | $72,983-18.3% |
| Participation rate | 43.3% | 71.5%-28.2pp | 79.0%-35.7pp | 69.5%-26.2pp |
| Annual return | 19.39% | 32.20%-12.8pp | 26.14%-6.8pp | 81.01%-61.6pp |
| Employer contribution / active EE | $1,381 | $3,346-58.7% | $4,576-69.8% | $2,440-43.4% |
| Participant deferral / active EE | $2,766 | $4,791-42.3% | $6,023-54.1% | $3,608-23.3% |
| Admin fee / account holder | $5,061 | $6,487-22.0% | $9,399-46.2% | $5,124-1.2% |