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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 | $54,810 | $101,778-46.1% | $164,975-66.8% | $80,925-32.3% |
| Participation rate | 59.3% | 71.8%-12.6pp | 78.6%-19.4pp | 67.7%-8.4pp |
| Annual return | 13.72% | 16.73%-3.0pp | 70.12%-56.4pp | 35.65%-21.9pp |
| Employer contribution / active EE | $2,035 | $2,954-31.1% | $4,343-53.1% | $2,756-26.2% |
| Participant deferral / active EE | $4,147 | $4,477-7.4% | $6,033-31.3% | $4,299-3.5% |
| Admin fee / account holder | $646 | $8,221-92.1% | $12,688-94.9% | $6,940-90.7% |