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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 | $46,917 | $91,559-48.8% | $133,978-65.0% | $79,856-41.2% |
| Participation rate | 61.5% | 73.3%-11.8pp | 79.8%-18.3pp | 69.6%-8.1pp |
| Annual return | 17.84% | 61.85%-44.0pp | 45.10%-27.3pp | 31.71%-13.9pp |
| Employer contribution / active EE | $1,660 | $2,384-30.4% | $3,919-57.6% | $2,471-32.8% |
| Participant deferral / active EE | $3,247 | $3,734-13.0% | $5,047-35.7% | $3,741-13.2% |
| Admin fee / account holder | $2,413 | $6,321-61.8% | $8,930-73.0% | $5,306-54.5% |