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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 | $73,510 | $78,013-5.8% | $178,449-58.8% | $80,911-9.1% |
| Participation rate | 46.2% | 65.7%-19.5pp | 77.1%-30.9pp | 67.6%-21.5pp |
| Annual return | 14.19% | 18.07%-3.9pp | 27.09%-12.9pp | 35.63%-21.4pp |
| Employer contribution / active EE | $1,150 | $2,287-49.7% | $3,951-70.9% | $2,756-58.3% |
| Participant deferral / active EE | $3,521 | $4,408-20.1% | $6,277-43.9% | $4,297-18.1% |
| Admin fee / account holder | $3,306 | $7,166-53.9% | $10,362-68.1% | $6,935-52.3% |