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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 | $44,091 | $76,551-42.4% | $123,894-64.4% | $62,881-29.9% |
| Participation rate | 27.6% | 73.0%-45.4pp | 81.4%-53.8pp | 69.3%-41.7pp |
| Annual return | 11.73% | 18.68%-6.9pp | 47.52%-35.8pp | 20.14%-8.4pp |
| Employer contribution / active EE | $1,991 | $2,882-30.9% | $4,617-56.9% | $2,281-12.7% |
| Participant deferral / active EE | $3,163 | $4,840-34.6% | $5,984-47.1% | $3,203-1.3% |
| Admin fee / account holder | $2,197 | $4,826-54.5% | $8,357-73.7% | $4,296-48.9% |