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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 | $44,192 | $74,535-40.7% | $100,712-56.1% | $82,637-46.5% |
| Participation rate | 47.0% | 61.2%-14.2pp | 69.3%-22.3pp | 68.1%-21.1pp |
| Annual return | 19.18% | 18.92%+0.3pp | 33.27%-14.1pp | 53.51%-34.3pp |
| Employer contribution / active EE | $1,556 | $1,503+3.5% | $2,313-32.7% | $2,552-39.0% |
| Participant deferral / active EE | $2,878 | $3,074-6.4% | $4,085-29.5% | $4,126-30.2% |
| Admin fee / account holder | $1,873 | $6,576-71.5% | $9,256-79.8% | $7,339-74.5% |