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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 | $31,450 | $81,233-61.3% | $155,567-79.8% | $80,874-61.1% |
| Participation rate | 64.1% | 66.2%-2.1pp | 78.2%-14.1pp | 67.6%-3.5pp |
| Annual return | 10.77% | 33.33%-22.6pp | 64.74%-54.0pp | 35.62%-24.8pp |
| Employer contribution / active EE | $1,695 | $3,101-45.4% | $4,674-63.7% | $2,756-38.5% |
| Participant deferral / active EE | $2,898 | $3,452-16.0% | $5,628-48.5% | $4,297-32.5% |
| Admin fee / account holder | $3,854 | $7,998-51.8% | $15,916-75.8% | $6,935-44.4% |