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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 | $46,888 | $97,550-51.9% | $120,344-61.0% | $87,485-46.4% |
| Participation rate | 58.0% | 72.8%-14.8pp | 76.7%-18.7pp | 68.9%-10.9pp |
| Annual return | 17.56% | 18.41%-0.8pp | 20.30%-2.7pp | 26.06%-8.5pp |
| Employer contribution / active EE | $1,251 | $2,291-45.4% | $3,020-58.6% | $2,596-51.8% |
| Participant deferral / active EE | $2,555 | $4,230-39.6% | $5,135-50.2% | $4,274-40.2% |
| Admin fee / account holder | $2,673 | $9,543-72.0% | $12,742-79.0% | $7,775-65.6% |