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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 | $53,801 | $72,269-25.6% | $101,271-46.9% | $79,852-32.6% |
| Participation rate | 47.5% | 68.5%-21.0pp | 75.8%-28.3pp | 69.6%-22.1pp |
| Annual return | 14.92% | 22.29%-7.4pp | 46.48%-31.6pp | 31.72%-16.8pp |
| Employer contribution / active EE | $2,493 | $2,692-7.4% | $3,660-31.9% | $2,471+0.9% |
| Participant deferral / active EE | $3,526 | $3,282+7.5% | $4,371-19.3% | $3,740-5.7% |
| Admin fee / account holder | $4,413 | $4,401+0.3% | $5,948-25.8% | $5,306-16.8% |