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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 | $48,527 | $65,367-25.8% | $92,915-47.8% | $72,976-33.5% |
| Participation rate | 54.8% | 68.3%-13.5pp | 76.0%-21.2pp | 69.5%-14.7pp |
| Annual return | 19.35% | 42.11%-22.8pp | 109.45%-90.1pp | 81.02%-61.7pp |
| Employer contribution / active EE | $1,083 | $2,594-58.3% | $3,653-70.4% | $2,440-55.6% |
| Participant deferral / active EE | $2,628 | $3,128-16.0% | $4,238-38.0% | $3,608-27.2% |
| Admin fee / account holder | $8,081 | $4,251+90.1% | $5,796+39.4% | $5,124+57.7% |