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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 | $55,328 | $55,713-0.7% | $75,901-27.1% | $72,975-24.2% |
| Participation rate | 48.3% | 61.1%-12.8pp | 69.3%-20.9pp | 69.5%-21.2pp |
| Annual return | 20.22% | 27.60%-7.4pp | 30.76%-10.5pp | 81.01%-60.8pp |
| Employer contribution / active EE | $1,025 | $1,687-39.3% | $2,501-59.0% | $2,440-58.0% |
| Participant deferral / active EE | $2,087 | $2,634-20.8% | $3,603-42.1% | $3,608-42.1% |
| Admin fee / account holder | $4,116 | $3,980+3.4% | $5,420-24.1% | $5,124-19.7% |