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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 | $42,586 | $87,878-51.5% | $97,411-56.3% | $82,637-48.5% |
| Participation rate | 46.3% | 75.6%-29.3pp | 80.4%-34.1pp | 68.1%-21.8pp |
| Annual return | 14.27% | 54.63%-40.4pp | 34.72%-20.4pp | 53.51%-39.2pp |
| Employer contribution / active EE | $2,978 | $3,800-21.6% | $4,210-29.3% | $2,552+16.7% |
| Participant deferral / active EE | $6,186 | $5,525+12.0% | $5,886+5.1% | $4,126+49.9% |
| Admin fee / account holder | $1,600 | $6,743-76.3% | $7,145-77.6% | $7,339-78.2% |