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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 | $56,058 | $78,015-28.1% | $178,505-68.6% | $80,959-30.8% |
| Participation rate | 59.1% | 65.7%-6.6pp | 77.1%-18.0pp | 67.7%-8.6pp |
| Annual return | 12.53% | 18.10%-5.6pp | 27.16%-14.6pp | 35.67%-23.1pp |
| Employer contribution / active EE | $1,352 | $2,281-40.7% | $3,955-65.8% | $2,757-51.0% |
| Participant deferral / active EE | $3,202 | $4,406-27.3% | $6,280-49.0% | $4,300-25.5% |
| Admin fee / account holder | $13,820 | $7,160+93.0% | $10,428+32.5% | $6,925+99.6% |