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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 | $47,848 | $106,864-55.2% | $147,318-67.5% | $82,637-42.1% |
| Participation rate | 58.7% | 75.5%-16.8pp | 82.1%-23.3pp | 68.1%-9.3pp |
| Annual return | 18.84% | 27.49%-8.7pp | 70.43%-51.6pp | 53.51%-34.7pp |
| Employer contribution / active EE | $2,013 | $3,417-41.1% | $4,593-56.2% | $2,552-21.1% |
| Participant deferral / active EE | $4,150 | $6,496-36.1% | $7,906-47.5% | $4,126+0.6% |
| Admin fee / account holder | $2,548 | $8,415-69.7% | $13,708-81.4% | $7,339-65.3% |