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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 | $54,888 | $76,834-28.6% | $108,359-49.3% | $87,485-37.3% |
| Participation rate | 35.2% | 61.7%-26.5pp | 70.1%-34.9pp | 68.9%-33.7pp |
| Annual return | 13.97% | 19.09%-5.1pp | 36.89%-22.9pp | 26.06%-12.1pp |
| Employer contribution / active EE | $1,140 | $1,556-26.8% | $2,399-52.5% | $2,596-56.1% |
| Participant deferral / active EE | $2,124 | $3,100-31.5% | $4,137-48.7% | $4,274-50.3% |
| Admin fee / account holder | $1,128 | $6,537-82.7% | $9,741-88.4% | $7,775-85.5% |