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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 | $48,581 | $56,894-14.6% | $84,753-42.7% | $62,881-22.7% |
| Participation rate | 56.4% | 68.5%-12.1pp | 76.6%-20.2pp | 69.3%-12.9pp |
| Annual return | 8.22% | 6.30%+1.9pp | 22.78%-14.6pp | 20.14%-11.9pp |
| Employer contribution / active EE | $1,213 | $2,400-49.5% | $3,574-66.1% | $2,281-46.8% |
| Participant deferral / active EE | $1,872 | $2,709-30.9% | $3,712-49.6% | $3,203-41.6% |
| Admin fee / account holder | $2,307 | $3,581-35.6% | $5,333-56.7% | $4,296-46.3% |