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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 | $52,078 | $80,992-35.7% | $96,534-46.1% | $75,173-30.7% |
| Participation rate | 51.2% | 71.8%-20.6pp | 76.0%-24.8pp | 67.2%-16.0pp |
| Annual return | 21.23% | 27.05%-5.8pp | 25.88%-4.7pp | 160.72%-139.5pp |
| Employer contribution / active EE | $1,428 | $2,283-37.4% | $2,965-51.9% | $2,671-46.5% |
| Participant deferral / active EE | $3,053 | $3,929-22.3% | $4,851-37.1% | $4,126-26.0% |
| Admin fee / account holder | $693 | $6,717-89.7% | $8,253-91.6% | $5,651-87.7% |