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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 | $48,205 | $58,493-17.6% | $84,021-42.6% | $72,975-33.9% |
| Participation rate | 48.3% | 61.2%-13.0pp | 69.0%-20.7pp | 69.5%-21.2pp |
| Annual return | 17.81% | 28.93%-11.1pp | 71.32%-53.5pp | 81.01%-63.2pp |
| Employer contribution / active EE | $1,152 | $1,163-0.9% | $1,984-41.9% | $2,440-52.8% |
| Participant deferral / active EE | $1,865 | $2,394-22.1% | $3,239-42.4% | $3,608-48.3% |
| Admin fee / account holder | $8,241 | $4,569+80.4% | $6,102+35.1% | $5,124+60.8% |