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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 | $29,979 | $76,551-60.8% | $123,894-75.8% | $62,881-52.3% |
| Participation rate | 53.8% | 73.0%-19.1pp | 81.4%-27.6pp | 69.3%-15.5pp |
| Annual return | 7.68% | 18.68%-11.0pp | 47.52%-39.8pp | 20.14%-12.5pp |
| Employer contribution / active EE | $1,577 | $2,882-45.3% | $4,617-65.8% | $2,281-30.9% |
| Participant deferral / active EE | $4,592 | $4,840-5.1% | $5,984-23.3% | $3,203+43.4% |
| Admin fee / account holder | $6,944 | $4,826+43.9% | $8,357-16.9% | $4,296+61.6% |