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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 | $36,113 | $76,112-52.6% | $96,534-62.6% | $71,511-49.5% |
| Participation rate | 54.1% | 74.4%-20.3pp | 76.0%-21.9pp | 67.9%-13.9pp |
| Annual return | 21.52% | 22.81%-1.3pp | 25.88%-4.4pp | 28.86%-7.3pp |
| Employer contribution / active EE | $1,675 | $2,248-25.5% | $2,965-43.5% | $2,589-35.3% |
| Participant deferral / active EE | $3,498 | $4,217-17.1% | $4,851-27.9% | $4,291-18.5% |
| Admin fee / account holder | $1,958 | $2,708-27.7% | $8,253-76.3% | $1,588+23.3% |