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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 | $45,771 | $69,590-34.2% | $136,867-66.6% | $94,015-51.3% |
| Participation rate | 60.3% | 66.3%-6.0pp | 74.5%-14.2pp | 70.8%-10.5pp |
| Annual return | 21.85% | 19.62%+2.2pp | 42.97%-21.1pp | 17.84%+4.0pp |
| Employer contribution / active EE | $1,459 | $2,396-39.1% | $3,547-58.9% | $2,790-47.7% |
| Participant deferral / active EE | $3,752 | $3,437+9.2% | $4,924-23.8% | $4,249-11.7% |
| Admin fee / account holder | $24,298 | $8,912+172.6% | $10,340+135.0% | $8,951+171.4% |