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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 | $44,551 | $56,287-20.8% | $80,977-45.0% | $62,881-29.1% |
| Participation rate | 57.1% | 68.9%-11.8pp | 75.8%-18.7pp | 69.3%-12.2pp |
| Annual return | 7.91% | 22.13%-14.2pp | 17.11%-9.2pp | 20.14%-12.2pp |
| Employer contribution / active EE | $1,416 | $1,943-27.1% | $3,715-61.9% | $2,281-37.9% |
| Participant deferral / active EE | $2,620 | $4,196-37.5% | $5,696-54.0% | $3,203-18.2% |
| Admin fee / account holder | $1,531 | $3,742-59.1% | $5,517-72.2% | $4,296-64.4% |