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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 | $44,832 | $56,894-21.2% | $84,753-47.1% | $62,881-28.7% |
| Participation rate | 56.0% | 68.5%-12.5pp | 76.6%-20.6pp | 69.3%-13.3pp |
| Annual return | 7.39% | 6.30%+1.1pp | 22.78%-15.4pp | 20.14%-12.8pp |
| Employer contribution / active EE | $3,167 | $2,400+32.0% | $3,574-11.4% | $2,281+38.8% |
| Participant deferral / active EE | $1,914 | $2,709-29.3% | $3,712-48.4% | $3,203-40.2% |
| Admin fee / account holder | $575 | $3,581-83.9% | $5,333-89.2% | $4,296-86.6% |