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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 | $51,720 | $81,476-36.5% | $102,383-49.5% | $80,925-36.1% |
| Participation rate | 41.9% | 66.8%-25.0pp | 74.5%-32.6pp | 67.7%-25.8pp |
| Annual return | 15.64% | 25.59%-10.0pp | 24.94%-9.3pp | 35.65%-20.0pp |
| Employer contribution / active EE | $1,299 | $3,105-58.2% | $3,870-66.4% | $2,756-52.9% |
| Participant deferral / active EE | $2,950 | $3,871-23.8% | $5,060-41.7% | $4,299-31.4% |
| Admin fee / account holder | $4,486 | $6,717-33.2% | $8,391-46.5% | $6,940-35.4% |