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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 | $36,453 | $61,390-40.6% | $112,228-67.5% | $75,177-51.5% |
| Participation rate | 56.0% | 61.6%-5.6pp | 72.4%-16.4pp | 67.2%-11.2pp |
| Annual return | 13.50% | 28.47%-15.0pp | 30.23%-16.7pp | 160.75%-147.2pp |
| Employer contribution / active EE | $1,146 | $2,015-43.1% | $3,432-66.6% | $2,671-57.1% |
| Participant deferral / active EE | $2,249 | $3,108-27.6% | $4,800-53.1% | $4,126-45.5% |
| Admin fee / account holder | $2,067 | $4,862-57.5% | $7,752-73.3% | $5,651-63.4% |