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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 | $78,027-33.3% | $178,528-70.8% | $80,925-35.7% |
| Participation rate | 46.9% | 65.7%-18.8pp | 77.1%-30.2pp | 67.7%-20.8pp |
| Annual return | 12.43% | 18.09%-5.7pp | 27.11%-14.7pp | 35.65%-23.2pp |
| Employer contribution / active EE | $1,260 | $2,281-44.8% | $3,950-68.1% | $2,756-54.3% |
| Participant deferral / active EE | $2,570 | $4,408-41.7% | $6,278-59.1% | $4,299-40.2% |
| Admin fee / account holder | $4,209 | $7,168-41.3% | $10,419-59.6% | $6,940-39.4% |