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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 | $46,183 | $76,407-39.6% | $150,298-69.3% | $82,448-44.0% |
| Participation rate | 47.8% | 66.4%-18.6pp | 77.8%-30.0pp | 68.1%-20.3pp |
| Annual return | 15.24% | 39.99%-24.8pp | 62.79%-47.5pp | 41.64%-26.4pp |
| Employer contribution / active EE | $1,990 | $2,614-23.9% | $4,154-52.1% | $2,551-22.0% |
| Participant deferral / active EE | $3,519 | $3,214+9.5% | $5,453-35.5% | $4,139-15.0% |
| Admin fee / account holder | $1,267 | $6,352-80.0% | $14,116-91.0% | $7,234-82.5% |