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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 | $106,749-55.2% | $145,433-67.1% | $82,448-42.0% |
| Participation rate | 58.7% | 75.6%-16.9pp | 82.1%-23.4pp | 68.1%-9.3pp |
| Annual return | 18.84% | 27.59%-8.8pp | 66.58%-47.7pp | 41.64%-22.8pp |
| Employer contribution / active EE | $2,013 | $3,444-41.5% | $4,554-55.8% | $2,551-21.1% |
| Participant deferral / active EE | $4,150 | $6,519-36.3% | $7,897-47.4% | $4,139+0.3% |
| Admin fee / account holder | $2,548 | $8,390-69.6% | $13,129-80.6% | $7,234-64.8% |