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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 | $47,183 | $49,025-3.8% | $87,502-46.1% | $62,881-25.0% |
| Participation rate | 58.8% | 64.9%-6.1pp | 73.8%-15.0pp | 69.3%-10.5pp |
| Annual return | 13.99% | 10.02%+4.0pp | 12.21%+1.8pp | 20.14%-6.2pp |
| Employer contribution / active EE | $940 | $1,372-31.5% | $2,550-63.2% | $2,281-58.8% |
| Participant deferral / active EE | $2,284 | $2,289-0.2% | $3,149-27.4% | $3,203-28.7% |
| Admin fee / account holder | $2,310 | $4,065-43.2% | $4,221-45.3% | $4,296-46.2% |