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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 | $68,137 | $81,358-16.3% | $155,556-56.2% | $80,959-15.8% |
| Participation rate | 46.9% | 66.3%-19.4pp | 78.2%-31.3pp | 67.7%-20.8pp |
| Annual return | 14.04% | 33.39%-19.3pp | 64.84%-50.8pp | 35.67%-21.6pp |
| Employer contribution / active EE | $1,838 | $3,106-40.8% | $4,675-60.7% | $2,757-33.3% |
| Participant deferral / active EE | $5,314 | $3,455+53.8% | $5,631-5.6% | $4,300+23.6% |
| Admin fee / account holder | $6,575 | $7,994-17.7% | $15,885-58.6% | $6,925-5.1% |