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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 | $58,469 | $81,487-28.2% | $102,412-42.9% | $80,935-27.8% |
| Participation rate | 49.0% | 66.8%-17.9pp | 74.5%-25.5pp | 67.7%-18.7pp |
| Annual return | 14.06% | 25.60%-11.5pp | 24.94%-10.9pp | 35.66%-21.6pp |
| Employer contribution / active EE | $1,616 | $3,103-47.9% | $3,870-58.2% | $2,757-41.4% |
| Participant deferral / active EE | $2,638 | $3,871-31.9% | $5,060-47.9% | $4,299-38.6% |
| Admin fee / account holder | $4,653 | $6,717-30.7% | $8,388-44.5% | $6,924-32.8% |