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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 | $47,260 | $76,407-38.1% | $150,298-68.6% | $82,448-42.7% |
| Participation rate | 55.7% | 66.4%-10.7pp | 77.8%-22.0pp | 68.1%-12.4pp |
| Annual return | 16.63% | 39.99%-23.4pp | 62.79%-46.2pp | 41.64%-25.0pp |
| Employer contribution / active EE | $1,491 | $2,614-43.0% | $4,154-64.1% | $2,551-41.5% |
| Participant deferral / active EE | $3,148 | $3,214-2.1% | $5,453-42.3% | $4,139-24.0% |
| Admin fee / account holder | $3,607 | $6,352-43.2% | $14,116-74.5% | $7,234-50.1% |