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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 | $44,712 | $72,273-38.1% | $101,275-55.9% | $79,856-44.0% |
| Participation rate | 51.9% | 68.5%-16.6pp | 75.8%-24.0pp | 69.6%-17.8pp |
| Annual return | 18.03% | 22.30%-4.3pp | 46.48%-28.5pp | 31.71%-13.7pp |
| Employer contribution / active EE | $984 | $2,691-63.4% | $3,660-73.1% | $2,471-60.2% |
| Participant deferral / active EE | $3,239 | $3,282-1.3% | $4,371-25.9% | $3,741-13.4% |
| Admin fee / account holder | $2,081 | $4,401-52.7% | $5,948-65.0% | $5,306-60.8% |