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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 | $57,073-8.2% | $85,126-38.5% | $80,925-35.3% |
| Participation rate | 44.4% | 56.4%-12.0pp | 67.5%-23.1pp | 67.7%-23.2pp |
| Annual return | 12.05% | 21.69%-9.6pp | 66.63%-54.6pp | 35.65%-23.6pp |
| Employer contribution / active EE | $1,948 | $1,801+8.2% | $2,731-28.7% | $2,756-29.3% |
| Participant deferral / active EE | $4,153 | $3,113+33.4% | $4,523-8.2% | $4,299-3.4% |
| Admin fee / account holder | $684 | $4,988-86.3% | $6,160-88.9% | $6,940-90.1% |