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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 | $44,526 | $77,814-42.8% | $158,223-71.9% | $86,983-48.8% |
| Participation rate | 48.0% | 68.4%-20.4pp | 79.2%-31.2pp | 69.5%-21.5pp |
| Annual return | 13.49% | 30.54%-17.1pp | 52.09%-38.6pp | 25.83%-12.3pp |
| Employer contribution / active EE | $2,027 | $2,592-21.8% | $4,109-50.7% | $2,584-21.6% |
| Participant deferral / active EE | $4,889 | $3,270+49.5% | $5,467-10.6% | $4,194+16.6% |
| Admin fee / account holder | $15,895 | $5,879+170.4% | $16,047-0.9% | $7,856+102.3% |