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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 | $44,673 | $87,166-48.7% | $76,735-41.8% | $137,256-67.5% |
| Participation rate | 52.6% | 74.4%-21.7pp | 69.5%-16.9pp | 80.0%-27.3pp |
| Annual return | 15.84% | 26.50%-10.7pp | 29.77%-13.9pp | 220.34%-204.5pp |
| Employer contribution / active EE | $2,108 | $2,904-27.4% | $2,454-14.1% | $4,156-49.3% |
| Participant deferral / active EE | $3,275 | $4,726-30.7% | $4,088-19.9% | $6,407-48.9% |
| Admin fee / account holder | $2,569 | $8,403-69.4% | $7,189-64.3% | $12,270-79.1% |