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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 | $51,799 | $76,834-32.6% | $108,359-52.2% | $87,485-40.8% |
| Participation rate | 57.9% | 61.7%-3.8pp | 70.1%-12.2pp | 68.9%-11.0pp |
| Annual return | 14.80% | 19.09%-4.3pp | 36.89%-22.1pp | 26.06%-11.3pp |
| Employer contribution / active EE | $510 | $1,556-67.2% | $2,399-78.7% | $2,596-80.3% |
| Participant deferral / active EE | $2,342 | $3,100-24.4% | $4,137-43.4% | $4,274-45.2% |
| Admin fee / account holder | $1,514 | $6,537-76.8% | $9,741-84.5% | $7,775-80.5% |