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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 | $47,603 | $95,453-50.1% | $112,040-57.5% | $82,448-42.3% |
| Participation rate | 60.2% | 72.8%-12.5pp | 76.5%-16.3pp | 68.1%-7.9pp |
| Annual return | 14.59% | 23.92%-9.3pp | 24.52%-9.9pp | 41.64%-27.0pp |
| Employer contribution / active EE | $1,444 | $2,318-37.7% | $2,954-51.1% | $2,551-43.4% |
| Participant deferral / active EE | $2,592 | $4,224-38.6% | $5,098-49.2% | $4,139-37.4% |
| Admin fee / account holder | $7,787 | $9,013-13.6% | $12,098-35.6% | $7,234+7.6% |