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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 | $51,976 | $81,474-36.2% | $133,971-61.2% | $73,493-29.3% |
| Participation rate | 59.6% | 76.4%-16.7pp | 79.8%-20.2pp | 70.7%-11.0pp |
| Annual return | 21.03% | 19.40%+1.6pp | 45.09%-24.1pp | 28.51%-7.5pp |
| Employer contribution / active EE | $1,141 | $2,209-48.4% | $3,919-70.9% | $2,270-49.7% |
| Participant deferral / active EE | $3,673 | $3,786-3.0% | $5,047-27.2% | $3,740-1.8% |
| Admin fee / account holder | $1,442 | $713+102.2% | $8,929-83.9% | $513+181.0% |