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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 | $41,419 | $65,712-37.0% | $57,196-27.6% | $273,972-84.9% |
| Participation rate | 46.2% | 78.3%-32.2pp | 75.3%-29.2pp | 83.0%-36.9pp |
| Annual return | 6.33% | 22.01%-15.7pp | 14.59%-8.3pp | 41.46%-35.1pp |
| Employer contribution / active EE | $1,859 | $3,280-43.3% | $2,683-30.7% | $4,869-61.8% |
| Participant deferral / active EE | $3,559 | $3,782-5.9% | $3,096+15.0% | $5,287-32.7% |
| Admin fee / account holder | $3,218 | $4,838-33.5% | $3,141+2.5% | $10,133-68.2% |