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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 | $27,895 | $47,848-41.7% | $81,473-65.8% | $70,126-60.2% |
| Participation rate | 56.0% | 58.3%-2.3pp | 68.0%-12.0pp | 69.5%-13.5pp |
| Annual return | 19.47% | 27.25%-7.8pp | 38.78%-19.3pp | 73.15%-53.7pp |
| Employer contribution / active EE | $1,294 | $1,527-15.3% | $2,568-49.6% | $2,343-44.8% |
| Participant deferral / active EE | $2,390 | $2,453-2.6% | $3,537-32.4% | $3,332-28.3% |
| Admin fee / account holder | $2,459 | $3,145-21.8% | $4,561-46.1% | $4,645-47.1% |