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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 | $49,638 | $51,166-3.0% | $70,544-29.6% | $71,511-30.6% |
| Participation rate | 39.4% | 59.4%-19.9pp | 68.4%-28.9pp | 67.9%-28.5pp |
| Annual return | 20.22% | 42.71%-22.5pp | 32.79%-12.6pp | 28.86%-8.6pp |
| Employer contribution / active EE | $3,117 | $1,793+73.8% | $2,976+4.7% | $2,589+20.4% |
| Participant deferral / active EE | $1,648 | $3,031-45.6% | $4,568-63.9% | $4,291-61.6% |
| Admin fee / account holder | $2,053 | $2,000+2.6% | $6,427-68.1% | $1,588+29.2% |