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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 | $61,477 | $94,031-34.6% | $115,768-46.9% | $82,448-25.4% |
| Participation rate | 61.9% | 70.4%-8.5pp | 74.4%-12.5pp | 68.1%-6.2pp |
| Annual return | 15.85% | 20.61%-4.8pp | 100.46%-84.6pp | 41.64%-25.8pp |
| Employer contribution / active EE | $1,518 | $2,323-34.7% | $2,940-48.4% | $2,551-40.5% |
| Participant deferral / active EE | $2,875 | $3,972-27.6% | $4,917-41.5% | $4,139-30.5% |
| Admin fee / account holder | $6,060 | $10,249-40.9% | $12,439-51.3% | $7,234-16.2% |