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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 | $60,370 | $78,520-23.1% | $96,576-37.5% | $82,448-26.8% |
| Participation rate | 51.9% | 77.7%-25.9pp | 81.4%-29.6pp | 68.1%-16.2pp |
| Annual return | 15.09% | 41.30%-26.2pp | 38.47%-23.4pp | 41.64%-26.5pp |
| Employer contribution / active EE | $2,183 | $2,630-17.0% | $3,553-38.6% | $2,551-14.4% |
| Participant deferral / active EE | $5,232 | $6,754-22.5% | $7,956-34.2% | $4,139+26.4% |
| Admin fee / account holder | $754 | $13,455-94.4% | $11,381-93.4% | $7,234-89.6% |