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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 | $55,530 | $56,894-2.4% | $84,753-34.5% | $62,881-11.7% |
| Participation rate | 55.2% | 68.5%-13.4pp | 76.6%-21.4pp | 69.3%-14.1pp |
| Annual return | 9.22% | 6.30%+2.9pp | 22.78%-13.6pp | 20.14%-10.9pp |
| Employer contribution / active EE | $1,808 | $2,400-24.7% | $3,574-49.4% | $2,281-20.7% |
| Participant deferral / active EE | $3,685 | $2,709+36.0% | $3,712-0.7% | $3,203+15.1% |
| Admin fee / account holder | $1,987 | $3,581-44.5% | $5,333-62.7% | $4,296-53.7% |