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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 | $49,744 | $83,898-40.7% | $133,346-62.7% | $94,015-47.1% |
| Participation rate | 28.1% | 63.4%-35.2pp | 72.8%-44.7pp | 70.8%-42.7pp |
| Annual return | 19.35% | 16.00%+3.4pp | 36.85%-17.5pp | 17.84%+1.5pp |
| Employer contribution / active EE | $2,780 | $1,821+52.7% | $2,853-2.6% | $2,790-0.4% |
| Participant deferral / active EE | $4,568 | $3,245+40.8% | $4,332+5.5% | $4,249+7.5% |
| Admin fee / account holder | $12,236 | $7,809+56.7% | $14,264-14.2% | $8,951+36.7% |