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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 | $53,187 | $72,027-26.2% | $185,861-71.4% | $79,856-33.4% |
| Participation rate | 51.9% | 65.8%-13.9pp | 78.0%-26.2pp | 69.6%-17.8pp |
| Annual return | 21.56% | 23.13%-1.6pp | 35.96%-14.4pp | 31.71%-10.2pp |
| Employer contribution / active EE | $1,079 | $1,965-45.1% | $4,088-73.6% | $2,471-56.3% |
| Participant deferral / active EE | $4,514 | $3,780+19.4% | $5,634-19.9% | $3,741+20.7% |
| Admin fee / account holder | $2,450 | $4,513-45.7% | $9,503-74.2% | $5,306-53.8% |