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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 | $22,812 | $81,487-72.0% | $102,412-77.7% | $80,935-71.8% |
| Participation rate | 45.0% | 66.8%-21.8pp | 74.5%-29.5pp | 67.7%-22.7pp |
| Annual return | 17.23% | 25.60%-8.4pp | 24.94%-7.7pp | 35.66%-18.4pp |
| Employer contribution / active EE | $2,654 | $3,103-14.5% | $3,870-31.4% | $2,757-3.7% |
| Participant deferral / active EE | $1,695 | $3,871-56.2% | $5,060-66.5% | $4,299-60.6% |
| Admin fee / account holder | $1,510 | $6,717-77.5% | $8,388-82.0% | $6,924-78.2% |