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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 | $74,535-33.1% | $100,712-50.5% | $82,637-39.7% |
| Participation rate | 50.0% | 61.2%-11.2pp | 69.3%-19.3pp | 68.1%-18.1pp |
| Annual return | 26.63% | 18.92%+7.7pp | 33.27%-6.6pp | 53.51%-26.9pp |
| Employer contribution / active EE | $1,362 | $1,503-9.4% | $2,313-41.1% | $2,552-46.6% |
| Participant deferral / active EE | $4,686 | $3,074+52.5% | $4,085+14.7% | $4,126+13.6% |
| Admin fee / account holder | $9,365 | $6,576+42.4% | $9,256+1.2% | $7,339+27.6% |