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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 | $49,572 | $63,809-22.3% | $81,353-39.1% | $80,935-38.8% |
| Participation rate | 56.9% | 63.9%-7.0pp | 69.5%-12.6pp | 67.7%-10.7pp |
| Annual return | 15.39% | 16.37%-1.0pp | 24.82%-9.4pp | 35.66%-20.3pp |
| Employer contribution / active EE | $2,277 | $1,981+14.9% | $2,464-7.6% | $2,757-17.4% |
| Participant deferral / active EE | $3,351 | $3,093+8.3% | $3,885-13.7% | $4,299-22.1% |
| Admin fee / account holder | $3,777 | $5,686-33.6% | $5,766-34.5% | $6,924-45.5% |