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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 | $48,230 | $52,580-8.3% | $71,671-32.7% | $70,126-31.2% |
| Participation rate | 31.6% | 60.9%-29.3pp | 68.7%-37.2pp | 69.5%-38.0pp |
| Annual return | 19.98% | 20.25%-0.3pp | 20.65%-0.7pp | 73.15%-53.2pp |
| Employer contribution / active EE | $1,164 | $1,616-28.0% | $2,460-52.7% | $2,343-50.3% |
| Participant deferral / active EE | $1,703 | $2,386-28.6% | $3,438-50.5% | $3,332-48.9% |
| Admin fee / account holder | $669 | $3,653-81.7% | $5,558-88.0% | $4,646-85.6% |