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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 | $47,087 | $81,334-42.1% | $113,397-58.5% | $64,097-26.5% |
| Participation rate | 54.0% | 65.6%-11.7pp | 76.5%-22.5pp | 55.2%-1.2pp |
| Annual return | 38.62% | 32.50%+6.1pp | 23.20%+15.4pp | 34.64%+4.0pp |
| Employer contribution / active EE | $1,490 | $2,077-28.3% | $2,977-50.0% | $1,891-21.2% |
| Participant deferral / active EE | $2,997 | $3,795-21.0% | $5,076-41.0% | $3,080-2.7% |
| Admin fee / account holder | $4,021 | $4,208-4.4% | $11,957-66.4% | $3,454+16.4% |