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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 | $46,584 | $75,541-38.3% | $152,093-69.4% | $82,637-43.6% |
| Participation rate | 51.7% | 66.5%-14.8pp | 77.8%-26.0pp | 68.1%-16.3pp |
| Annual return | 15.19% | 32.56%-17.4pp | 66.36%-51.2pp | 53.51%-38.3pp |
| Employer contribution / active EE | $1,190 | $2,622-54.6% | $4,175-71.5% | $2,552-53.4% |
| Participant deferral / active EE | $1,801 | $3,206-43.8% | $5,451-67.0% | $4,126-56.4% |
| Admin fee / account holder | $1,300 | $6,405-79.7% | $14,497-91.0% | $7,339-82.3% |