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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 | $53,439 | $65,367-18.2% | $92,915-42.5% | $72,976-26.8% |
| Participation rate | 41.2% | 68.3%-27.1pp | 76.0%-34.8pp | 69.5%-28.3pp |
| Annual return | 20.89% | 42.11%-21.2pp | 109.45%-88.6pp | 81.02%-60.1pp |
| Employer contribution / active EE | $1,828 | $2,594-29.5% | $3,653-50.0% | $2,440-25.1% |
| Participant deferral / active EE | $3,212 | $3,128+2.7% | $4,238-24.2% | $3,608-11.0% |
| Admin fee / account holder | $3,738 | $4,251-12.1% | $5,796-35.5% | $5,124-27.1% |