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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 | $44,769 | $72,492-38.2% | $87,104-48.6% | $72,975-38.7% |
| Participation rate | 55.6% | 72.8%-17.3pp | 76.9%-21.3pp | 69.5%-13.9pp |
| Annual return | 22.84% | 24.46%-1.6pp | 28.19%-5.4pp | 81.01%-58.2pp |
| Employer contribution / active EE | $1,549 | $1,894-18.2% | $2,521-38.6% | $2,440-36.5% |
| Participant deferral / active EE | $2,870 | $3,270-12.2% | $4,048-29.1% | $3,608-20.4% |
| Admin fee / account holder | $805 | $5,055-84.1% | $7,491-89.3% | $5,124-84.3% |