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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 | $48,019 | $48,078-0.1% | $78,676-39.0% | $62,881-23.6% |
| Participation rate | 51.5% | 65.2%-13.7pp | 73.6%-22.0pp | 69.3%-17.8pp |
| Annual return | 5.25% | 31.36%-26.1pp | 62.19%-56.9pp | 20.14%-14.9pp |
| Employer contribution / active EE | $814 | $2,015-59.6% | $2,850-71.4% | $2,281-64.3% |
| Participant deferral / active EE | $3,248 | $2,587+25.6% | $3,517-7.6% | $3,203+1.4% |
| Admin fee / account holder | $3,314 | $3,206+3.4% | $4,510-26.5% | $4,296-22.9% |