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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 | $51,800 | $81,504-36.4% | $102,437-49.4% | $80,959-36.0% |
| Participation rate | 43.2% | 66.9%-23.6pp | 74.5%-31.3pp | 67.7%-24.4pp |
| Annual return | 12.35% | 25.60%-13.2pp | 24.95%-12.6pp | 35.67%-23.3pp |
| Employer contribution / active EE | $1,797 | $3,104-42.1% | $3,871-53.6% | $2,757-34.8% |
| Participant deferral / active EE | $4,530 | $3,871+17.0% | $5,060-10.5% | $4,300+5.3% |
| Admin fee / account holder | $10,689 | $6,719+59.1% | $8,388+27.4% | $6,925+54.4% |