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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 | $45,837 | $86,949-47.3% | $102,460-55.3% | $80,959-43.4% |
| Participation rate | 62.9% | 72.4%-9.5pp | 76.5%-13.6pp | 67.7%-4.8pp |
| Annual return | 20.19% | 18.89%+1.3pp | 29.47%-9.3pp | 35.67%-15.5pp |
| Employer contribution / active EE | $1,135 | $2,370-52.1% | $3,025-62.5% | $2,757-58.8% |
| Participant deferral / active EE | $3,313 | $4,121-19.6% | $5,056-34.5% | $4,300-23.0% |
| Admin fee / account holder | $2,455 | $8,048-69.5% | $9,460-74.1% | $6,925-64.6% |