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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 | $55,247 | $86,940-36.5% | $102,434-46.1% | $80,935-31.7% |
| Participation rate | 47.7% | 72.4%-24.7pp | 76.5%-28.8pp | 67.7%-20.0pp |
| Annual return | 13.73% | 18.89%-5.2pp | 29.46%-15.7pp | 35.66%-21.9pp |
| Employer contribution / active EE | $1,429 | $2,370-39.7% | $3,023-52.7% | $2,757-48.2% |
| Participant deferral / active EE | $3,220 | $4,121-21.9% | $5,055-36.3% | $4,299-25.1% |
| Admin fee / account holder | $4,886 | $8,047-39.3% | $9,462-48.4% | $6,924-29.4% |