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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 | $49,832 | $73,787-32.5% | $98,716-49.5% | $82,448-39.6% |
| Participation rate | 50.0% | 61.4%-11.4pp | 69.3%-19.3pp | 68.1%-18.1pp |
| Annual return | 26.63% | 18.57%+8.1pp | 31.81%-5.2pp | 41.64%-15.0pp |
| Employer contribution / active EE | $1,362 | $1,511-9.9% | $2,279-40.2% | $2,551-46.6% |
| Participant deferral / active EE | $4,686 | $3,081+52.1% | $4,048+15.8% | $4,139+13.2% |
| Admin fee / account holder | $9,365 | $6,500+44.1% | $8,703+7.6% | $7,234+29.5% |