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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 | $46,586 | $81,476-42.8% | $102,383-54.5% | $80,925-42.4% |
| Participation rate | 53.2% | 66.8%-13.6pp | 74.5%-21.3pp | 67.7%-14.4pp |
| Annual return | 16.03% | 25.59%-9.6pp | 24.94%-8.9pp | 35.65%-19.6pp |
| Employer contribution / active EE | $2,085 | $3,105-32.8% | $3,870-46.1% | $2,756-24.3% |
| Participant deferral / active EE | $3,559 | $3,871-8.1% | $5,060-29.7% | $4,299-17.2% |
| Admin fee / account holder | $9,372 | $6,717+39.5% | $8,391+11.7% | $6,940+35.0% |