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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 | $43,628 | $64,359-32.2% | $90,161-51.6% | $70,126-37.8% |
| Participation rate | 57.4% | 70.4%-13.0pp | 76.9%-19.5pp | 69.5%-12.1pp |
| Annual return | 17.89% | 28.13%-10.2pp | 34.89%-17.0pp | 73.15%-55.3pp |
| Employer contribution / active EE | $1,919 | $2,046-6.2% | $3,318-42.2% | $2,343-18.1% |
| Participant deferral / active EE | $3,190 | $4,389-27.3% | $5,287-39.7% | $3,332-4.3% |
| Admin fee / account holder | $3,448 | $3,945-12.6% | $5,943-42.0% | $4,645-25.8% |