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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 | $37,911 | $60,349-37.2% | $74,184-48.9% | $62,881-39.7% |
| Participation rate | 53.8% | 72.7%-18.9pp | 76.6%-22.8pp | 69.3%-15.5pp |
| Annual return | 7.75% | 21.38%-13.6pp | 17.74%-10.0pp | 20.14%-12.4pp |
| Employer contribution / active EE | $1,749 | $1,680+4.1% | $2,370-26.2% | $2,281-23.3% |
| Participant deferral / active EE | $5,204 | $2,856+82.2% | $3,550+46.6% | $3,203+62.5% |
| Admin fee / account holder | $6,358 | $4,261+49.2% | $5,586+13.8% | $4,296+48.0% |