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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 | $45,277 | $78,672-42.4% | $109,163-58.5% | $85,856-47.3% |
| Participation rate | 53.8% | 68.3%-14.4pp | 75.9%-22.0pp | 69.3%-15.5pp |
| Annual return | 23.15% | 25.09%-1.9pp | 25.75%-2.6pp | 318.58%-295.4pp |
| Employer contribution / active EE | $1,681 | $2,734-38.5% | $3,723-54.8% | $2,565-34.5% |
| Participant deferral / active EE | $3,018 | $3,467-13.0% | $4,654-35.1% | $3,952-23.6% |
| Admin fee / account holder | $1,546 | $5,470-71.7% | $6,754-77.1% | $6,261-75.3% |