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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 | $54,097 | $86,949-37.8% | $102,460-47.2% | $80,959-33.2% |
| Participation rate | 48.3% | 72.4%-24.1pp | 76.5%-28.2pp | 67.7%-19.4pp |
| Annual return | 14.88% | 18.89%-4.0pp | 29.47%-14.6pp | 35.67%-20.8pp |
| Employer contribution / active EE | $1,266 | $2,370-46.6% | $3,025-58.1% | $2,757-54.1% |
| Participant deferral / active EE | $3,148 | $4,121-23.6% | $5,056-37.7% | $4,300-26.8% |
| Admin fee / account holder | $1,851 | $8,048-77.0% | $9,460-80.4% | $6,925-73.3% |