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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 | $47,364 | $95,404-50.4% | $113,397-58.2% | $82,637-42.7% |
| Participation rate | 64.3% | 72.8%-8.5pp | 76.5%-12.2pp | 68.1%-3.8pp |
| Annual return | 17.83% | 19.08%-1.2pp | 23.20%-5.4pp | 53.51%-35.7pp |
| Employer contribution / active EE | $1,080 | $2,307-53.2% | $2,977-63.7% | $2,552-57.7% |
| Participant deferral / active EE | $2,997 | $4,220-29.0% | $5,076-41.0% | $4,126-27.4% |
| Admin fee / account holder | $8,006 | $9,168-12.7% | $11,957-33.0% | $7,339+9.1% |