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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 | $77,814-39.3% | $158,223-70.1% | $86,983-45.7% |
| Participation rate | 55.7% | 68.4%-12.7pp | 79.2%-23.5pp | 69.5%-13.8pp |
| Annual return | 16.63% | 30.54%-13.9pp | 52.09%-35.5pp | 25.83%-9.2pp |
| Employer contribution / active EE | $1,491 | $2,592-42.5% | $4,109-63.7% | $2,584-42.3% |
| Participant deferral / active EE | $3,148 | $3,270-3.7% | $5,467-42.4% | $4,194-24.9% |
| Admin fee / account holder | $3,607 | $5,879-38.7% | $16,047-77.5% | $7,856-54.1% |