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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 | $61,641 | $81,487-24.4% | $102,412-39.8% | $80,935-23.8% |
| Participation rate | 51.4% | 66.8%-15.5pp | 74.5%-23.2pp | 67.7%-16.3pp |
| Annual return | 13.77% | 25.60%-11.8pp | 24.94%-11.2pp | 35.66%-21.9pp |
| Employer contribution / active EE | $1,765 | $3,103-43.1% | $3,870-54.4% | $2,757-36.0% |
| Participant deferral / active EE | $3,131 | $3,871-19.1% | $5,060-38.1% | $4,299-27.2% |
| Admin fee / account holder | $3,442 | $6,717-48.8% | $8,388-59.0% | $6,924-50.3% |