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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 | $46,171 | $56,894-18.8% | $84,753-45.5% | $62,881-26.6% |
| Participation rate | 50.0% | 68.5%-18.5pp | 76.6%-26.6pp | 69.3%-19.3pp |
| Annual return | 9.49% | 6.30%+3.2pp | 22.78%-13.3pp | 20.14%-10.7pp |
| Employer contribution / active EE | $1,113 | $2,400-53.6% | $3,574-68.9% | $2,281-51.2% |
| Participant deferral / active EE | $3,380 | $2,709+24.7% | $3,712-9.0% | $3,203+5.5% |
| Admin fee / account holder | $1,138 | $3,581-68.2% | $5,333-78.7% | $4,296-73.5% |