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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 | $27,795 | $60,349-53.9% | $74,184-62.5% | $62,881-55.8% |
| Participation rate | 61.3% | 72.7%-11.4pp | 76.6%-15.3pp | 69.3%-8.0pp |
| Annual return | 10.83% | 21.38%-10.5pp | 17.74%-6.9pp | 20.14%-9.3pp |
| Employer contribution / active EE | $1,183 | $1,680-29.6% | $2,370-50.1% | $2,281-48.1% |
| Participant deferral / active EE | $2,365 | $2,856-17.2% | $3,550-33.4% | $3,203-26.2% |
| Admin fee / account holder | $4,160 | $4,261-2.4% | $5,586-25.5% | $4,296-3.2% |