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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 | $47,755 | $58,057-17.7% | $97,032-50.8% | $86,983-45.1% |
| Participation rate | 35.7% | 60.4%-24.6pp | 71.6%-35.9pp | 69.5%-33.8pp |
| Annual return | 20.31% | 22.26%-1.9pp | 35.38%-15.1pp | 25.83%-5.5pp |
| Employer contribution / active EE | $1,196 | $1,663-28.1% | $2,629-54.5% | $2,584-53.7% |
| Participant deferral / active EE | $3,333 | $3,244+2.8% | $4,672-28.7% | $4,194-20.5% |
| Admin fee / account holder | $10,826 | $4,839+123.7% | $9,418+15.0% | $7,856+37.8% |