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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 | $53,339 | $86,940-38.6% | $102,434-47.9% | $80,935-34.1% |
| Participation rate | 48.8% | 72.4%-23.6pp | 76.5%-27.7pp | 67.7%-18.9pp |
| Annual return | 14.62% | 18.89%-4.3pp | 29.46%-14.8pp | 35.66%-21.0pp |
| Employer contribution / active EE | $1,258 | $2,370-46.9% | $3,023-58.4% | $2,757-54.4% |
| Participant deferral / active EE | $2,357 | $4,121-42.8% | $5,055-53.4% | $4,299-45.2% |
| Admin fee / account holder | $4,095 | $8,047-49.1% | $9,462-56.7% | $6,924-40.9% |