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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 | $52,069 | $78,015-33.3% | $178,505-70.8% | $80,959-35.7% |
| Participation rate | 46.9% | 65.7%-18.8pp | 77.1%-30.2pp | 67.7%-20.8pp |
| Annual return | 12.43% | 18.10%-5.7pp | 27.16%-14.7pp | 35.67%-23.2pp |
| Employer contribution / active EE | $1,260 | $2,281-44.8% | $3,955-68.2% | $2,757-54.3% |
| Participant deferral / active EE | $2,570 | $4,406-41.7% | $6,280-59.1% | $4,300-40.2% |
| Admin fee / account holder | $4,209 | $7,160-41.2% | $10,428-59.6% | $6,925-39.2% |