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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 | $50,763 | $57,061-11.0% | $85,063-40.3% | $80,911-37.3% |
| Participation rate | 36.0% | 56.3%-20.3pp | 67.5%-31.5pp | 67.6%-31.6pp |
| Annual return | 19.44% | 21.66%-2.2pp | 66.54%-47.1pp | 35.63%-16.2pp |
| Employer contribution / active EE | $1,410 | $1,799-21.6% | $2,727-48.3% | $2,756-48.8% |
| Participant deferral / active EE | $2,756 | $3,110-11.4% | $4,523-39.1% | $4,297-35.9% |
| Admin fee / account holder | $2,664 | $4,986-46.6% | $6,155-56.7% | $6,935-61.6% |