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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 | $31,218 | $60,349-48.3% | $74,184-57.9% | $62,881-50.4% |
| Participation rate | 61.2% | 72.7%-11.5pp | 76.6%-15.4pp | 69.3%-8.1pp |
| Annual return | 7.32% | 21.38%-14.1pp | 17.74%-10.4pp | 20.14%-12.8pp |
| Employer contribution / active EE | $1,644 | $1,680-2.2% | $2,370-30.6% | $2,281-27.9% |
| Participant deferral / active EE | $3,037 | $2,856+6.3% | $3,550-14.4% | $3,203-5.2% |
| Admin fee / account holder | $2,306 | $4,261-45.9% | $5,586-58.7% | $4,296-46.3% |