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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 | $59,337 | $81,233-27.0% | $155,567-61.9% | $80,874-26.6% |
| Participation rate | 37.8% | 66.2%-28.5pp | 78.2%-40.4pp | 67.6%-29.9pp |
| Annual return | 12.78% | 33.33%-20.6pp | 64.74%-52.0pp | 35.62%-22.8pp |
| Employer contribution / active EE | $1,526 | $3,101-50.8% | $4,674-67.4% | $2,756-44.6% |
| Participant deferral / active EE | $2,955 | $3,452-14.4% | $5,628-47.5% | $4,297-31.2% |
| Admin fee / account holder | $762 | $7,998-90.5% | $15,916-95.2% | $6,935-89.0% |