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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 | $50,560 | $57,140-11.5% | $85,240-40.7% | $80,959-37.5% |
| Participation rate | 52.2% | 56.4%-4.2pp | 67.5%-15.3pp | 67.7%-15.4pp |
| Annual return | 12.45% | 21.71%-9.3pp | 66.75%-54.3pp | 35.67%-23.2pp |
| Employer contribution / active EE | $2,157 | $1,802+19.7% | $2,735-21.1% | $2,757-21.8% |
| Participant deferral / active EE | $4,010 | $3,115+28.7% | $4,527-11.4% | $4,300-6.7% |
| Admin fee / account holder | $1,635 | $4,992-67.2% | $6,165-73.5% | $6,925-76.4% |