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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 | $52,382 | $57,140-8.3% | $85,240-38.5% | $80,959-35.3% |
| Participation rate | 44.4% | 56.4%-12.0pp | 67.5%-23.1pp | 67.7%-23.2pp |
| Annual return | 12.05% | 21.71%-9.7pp | 66.75%-54.7pp | 35.67%-23.6pp |
| Employer contribution / active EE | $1,948 | $1,802+8.1% | $2,735-28.8% | $2,757-29.3% |
| Participant deferral / active EE | $4,153 | $3,115+33.3% | $4,527-8.3% | $4,300-3.4% |
| Admin fee / account holder | $684 | $4,992-86.3% | $6,165-88.9% | $6,925-90.1% |