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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 | $37,058 | $73,787-49.8% | $98,716-62.5% | $82,448-55.1% |
| Participation rate | 45.7% | 61.4%-15.7pp | 69.3%-23.6pp | 68.1%-22.4pp |
| Annual return | 19.07% | 18.57%+0.5pp | 31.81%-12.7pp | 41.64%-22.6pp |
| Employer contribution / active EE | $1,497 | $1,511-0.9% | $2,279-34.3% | $2,551-41.3% |
| Participant deferral / active EE | $3,982 | $3,081+29.2% | $4,048-1.6% | $4,139-3.8% |
| Admin fee / account holder | $3,251 | $6,500-50.0% | $8,703-62.6% | $7,234-55.1% |