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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 | $44,829 | $81,276-44.8% | $155,574-71.2% | $80,925-44.6% |
| Participation rate | 62.5% | 66.2%-3.7pp | 78.2%-15.7pp | 67.7%-5.2pp |
| Annual return | 17.75% | 33.36%-15.6pp | 64.87%-47.1pp | 35.65%-17.9pp |
| Employer contribution / active EE | $1,873 | $3,103-39.6% | $4,676-59.9% | $2,756-32.0% |
| Participant deferral / active EE | $3,115 | $3,453-9.8% | $5,629-44.7% | $4,299-27.5% |
| Admin fee / account holder | $689 | $7,993-91.4% | $15,914-95.7% | $6,940-90.1% |