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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 | $73,787-45.6% | $98,716-59.4% | $82,448-51.4% |
| Participation rate | 48.3% | 61.4%-13.1pp | 69.3%-21.0pp | 68.1%-19.8pp |
| Annual return | 22.26% | 18.57%+3.7pp | 31.81%-9.6pp | 41.64%-19.4pp |
| Employer contribution / active EE | $1,555 | $1,511+2.9% | $2,279-31.7% | $2,551-39.0% |
| Participant deferral / active EE | $2,742 | $3,081-11.0% | $4,048-32.3% | $4,139-33.8% |
| Admin fee / account holder | $1,977 | $6,500-69.6% | $8,703-77.3% | $7,234-72.7% |