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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 | $95,453-50.4% | $112,040-57.7% | $82,448-42.6% |
| Participation rate | 64.3% | 72.8%-8.5pp | 76.5%-12.2pp | 68.1%-3.8pp |
| Annual return | 17.83% | 23.92%-6.1pp | 24.52%-6.7pp | 41.64%-23.8pp |
| Employer contribution / active EE | $1,080 | $2,318-53.4% | $2,954-63.4% | $2,551-57.6% |
| Participant deferral / active EE | $2,997 | $4,224-29.1% | $5,098-41.2% | $4,139-27.6% |
| Admin fee / account holder | $8,006 | $9,013-11.2% | $12,098-33.8% | $7,234+10.7% |