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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 | $64,094 | $57,590+11.3% | $86,233-25.7% | $82,448-22.3% |
| Participation rate | 42.9% | 57.9%-15.0pp | 69.0%-26.2pp | 68.1%-25.2pp |
| Annual return | 24.81% | 22.41%+2.4pp | 61.39%-36.6pp | 41.64%-16.8pp |
| Employer contribution / active EE | $1,468 | $1,655-11.3% | $2,504-41.4% | $2,551-42.4% |
| Participant deferral / active EE | $2,352 | $3,080-23.6% | $4,559-48.4% | $4,139-43.2% |
| Admin fee / account holder | $2,512 | $4,730-46.9% | $8,342-69.9% | $7,234-65.3% |