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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 | $44,913 | $95,904-53.2% | $173,730-74.1% | $64,340-30.2% |
| Participation rate | 50.7% | 60.6%-10.0pp | 79.6%-28.9pp | 55.2%-4.6pp |
| Annual return | 13.85% | 17.47%-3.6pp | 19.96%-6.1pp | 24.14%-10.3pp |
| Employer contribution / active EE | $1,451 | $2,323-37.5% | $4,577-68.3% | $1,862-22.1% |
| Participant deferral / active EE | $2,485 | $3,488-28.8% | $6,326-60.7% | $2,980-16.6% |
| Admin fee / account holder | $3,181 | $5,089-37.5% | $17,523-81.8% | $3,703-14.1% |