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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 | $40,110 | $76,834-47.8% | $108,359-63.0% | $87,485-54.2% |
| Participation rate | 48.3% | 61.7%-13.5pp | 70.1%-21.8pp | 68.9%-20.7pp |
| Annual return | 22.26% | 19.09%+3.2pp | 36.89%-14.6pp | 26.06%-3.8pp |
| Employer contribution / active EE | $1,555 | $1,556-0.1% | $2,399-35.2% | $2,596-40.1% |
| Participant deferral / active EE | $2,742 | $3,100-11.5% | $4,137-33.7% | $4,274-35.8% |
| Admin fee / account holder | $1,977 | $6,537-69.8% | $9,741-79.7% | $7,775-74.6% |