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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 | $73,787-32.6% | $98,716-49.6% | $82,448-39.7% |
| Participation rate | 28.1% | 61.4%-33.3pp | 69.3%-41.2pp | 68.1%-39.9pp |
| Annual return | 19.35% | 18.57%+0.8pp | 31.81%-12.5pp | 41.64%-22.3pp |
| Employer contribution / active EE | $2,780 | $1,511+83.9% | $2,279+22.0% | $2,551+9.0% |
| Participant deferral / active EE | $4,568 | $3,081+48.3% | $4,048+12.9% | $4,139+10.4% |
| Admin fee / account holder | $12,236 | $6,500+88.2% | $8,703+40.6% | $7,234+69.1% |