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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 | $56,216 | $86,938-35.3% | $102,423-45.1% | $80,925-30.5% |
| Participation rate | 65.5% | 72.4%-6.9pp | 76.5%-11.0pp | 67.7%-2.2pp |
| Annual return | 10.52% | 18.89%-8.4pp | 29.42%-18.9pp | 35.65%-25.1pp |
| Employer contribution / active EE | $1,459 | $2,369-38.4% | $3,023-51.7% | $2,756-47.0% |
| Participant deferral / active EE | $2,718 | $4,120-34.0% | $5,054-46.2% | $4,299-36.8% |
| Admin fee / account holder | $7,994 | $8,053-0.7% | $9,455-15.4% | $6,940+15.2% |