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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 | $55,129 | $72,269-23.7% | $101,271-45.6% | $79,852-31.0% |
| Participation rate | 46.9% | 68.5%-21.6pp | 75.8%-28.9pp | 69.6%-22.8pp |
| Annual return | 12.29% | 22.29%-10.0pp | 46.48%-34.2pp | 31.72%-19.4pp |
| Employer contribution / active EE | $2,011 | $2,692-25.3% | $3,660-45.0% | $2,471-18.6% |
| Participant deferral / active EE | $3,760 | $3,282+14.6% | $4,371-14.0% | $3,740+0.5% |
| Admin fee / account holder | $5,227 | $4,401+18.8% | $5,948-12.1% | $5,306-1.5% |