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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 | $50,014 | $47,848+4.5% | $81,473-38.6% | $70,126-28.7% |
| Participation rate | 44.4% | 58.3%-13.8pp | 68.0%-23.5pp | 69.5%-25.1pp |
| Annual return | 16.69% | 27.25%-10.6pp | 38.78%-22.1pp | 73.15%-56.5pp |
| Employer contribution / active EE | $999 | $1,527-34.6% | $2,568-61.1% | $2,343-57.4% |
| Participant deferral / active EE | $1,762 | $2,453-28.2% | $3,537-50.2% | $3,332-47.1% |
| Admin fee / account holder | $3,369 | $3,145+7.1% | $4,561-26.1% | $4,645-27.5% |