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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 | $56,332 | $99,345-43.3% | $84,753-33.5% | $273,972-79.4% |
| Participation rate | 45.5% | 80.7%-35.2pp | 76.6%-31.1pp | 83.0%-37.6pp |
| Annual return | 7.93% | 22.93%-15.0pp | 22.78%-14.9pp | 41.46%-33.5pp |
| Employer contribution / active EE | $1,887 | $4,214-55.2% | $3,574-47.2% | $4,869-61.2% |
| Participant deferral / active EE | $5,622 | $4,270+31.7% | $3,712+51.4% | $5,287+6.3% |
| Admin fee / account holder | $1,136 | $6,645-82.9% | $5,333-78.7% | $10,133-88.8% |