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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 | $53,159 | $76,551-30.6% | $123,894-57.1% | $62,881-15.5% |
| Participation rate | 61.3% | 73.0%-11.6pp | 81.4%-20.1pp | 69.3%-8.0pp |
| Annual return | 6.92% | 18.68%-11.8pp | 47.52%-40.6pp | 20.14%-13.2pp |
| Employer contribution / active EE | $1,318 | $2,882-54.3% | $4,617-71.5% | $2,281-42.2% |
| Participant deferral / active EE | $2,444 | $4,840-49.5% | $5,984-59.2% | $3,203-23.7% |
| Admin fee / account holder | $10,001 | $4,826+107.2% | $8,357+19.7% | $4,296+132.8% |