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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 | $47,328 | $56,121-15.7% | $92,985-49.1% | $64,340-26.4% |
| Participation rate | 43.9% | 44.9%-1.0pp | 69.5%-25.5pp | 55.2%-11.3pp |
| Annual return | 21.75% | 19.19%+2.6pp | 27.99%-6.2pp | 24.14%-2.4pp |
| Employer contribution / active EE | $1,978 | $1,351+46.4% | $2,662-25.7% | $1,862+6.3% |
| Participant deferral / active EE | $4,430 | $2,362+87.5% | $4,377+1.2% | $2,980+48.6% |
| Admin fee / account holder | $2,181 | $6,869-68.2% | $9,463-76.9% | $3,703-41.1% |