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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 | $59,048 | $78,027-24.3% | $178,528-66.9% | $80,925-27.0% |
| Participation rate | 49.0% | 65.7%-16.7pp | 77.1%-28.1pp | 67.7%-18.6pp |
| Annual return | 20.96% | 18.09%+2.9pp | 27.11%-6.2pp | 35.65%-14.7pp |
| Employer contribution / active EE | $2,247 | $2,281-1.5% | $3,950-43.1% | $2,756-18.5% |
| Participant deferral / active EE | $5,084 | $4,408+15.3% | $6,278-19.0% | $4,299+18.3% |
| Admin fee / account holder | $577 | $7,168-92.0% | $10,419-94.5% | $6,940-91.7% |