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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 | $60,768 | $75,541-19.6% | $152,093-60.0% | $82,637-26.5% |
| Participation rate | 47.2% | 66.5%-19.3pp | 77.8%-30.5pp | 68.1%-20.8pp |
| Annual return | 34.33% | 32.56%+1.8pp | 66.36%-32.0pp | 53.51%-19.2pp |
| Employer contribution / active EE | $1,553 | $2,622-40.8% | $4,175-62.8% | $2,552-39.1% |
| Participant deferral / active EE | $2,788 | $3,206-13.0% | $5,451-48.9% | $4,126-32.4% |
| Admin fee / account holder | $2,057 | $6,405-67.9% | $14,497-85.8% | $7,339-72.0% |