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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 | $54,249 | $81,504-33.4% | $102,437-47.0% | $80,959-33.0% |
| Participation rate | 45.5% | 66.9%-21.4pp | 74.5%-29.1pp | 67.7%-22.2pp |
| Annual return | 12.67% | 25.60%-12.9pp | 24.95%-12.3pp | 35.67%-23.0pp |
| Employer contribution / active EE | $2,445 | $3,104-21.2% | $3,871-36.8% | $2,757-11.3% |
| Participant deferral / active EE | $4,387 | $3,871+13.3% | $5,060-13.3% | $4,300+2.0% |
| Admin fee / account holder | $931 | $6,719-86.1% | $8,388-88.9% | $6,925-86.6% |