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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 | $59,865 | $86,050-30.4% | $189,758-68.5% | $94,015-36.3% |
| Participation rate | 65.5% | 68.9%-3.4pp | 79.8%-14.3pp | 70.8%-5.4pp |
| Annual return | 16.62% | 17.77%-1.2pp | 52.62%-36.0pp | 17.84%-1.2pp |
| Employer contribution / active EE | $1,044 | $2,819-63.0% | $4,767-78.1% | $2,790-62.6% |
| Participant deferral / active EE | $5,280 | $3,349+57.7% | $5,856-9.8% | $4,249+24.3% |
| Admin fee / account holder | $1,361 | $6,627-79.5% | $20,388-93.3% | $8,951-84.8% |