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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 | $57,061-11.4% | $85,063-40.6% | $80,911-37.5% |
| Participation rate | 52.2% | 56.3%-4.1pp | 67.5%-15.3pp | 67.6%-15.4pp |
| Annual return | 12.45% | 21.66%-9.2pp | 66.54%-54.1pp | 35.63%-23.2pp |
| Employer contribution / active EE | $2,157 | $1,799+19.9% | $2,727-20.9% | $2,756-21.7% |
| Participant deferral / active EE | $4,010 | $3,110+28.9% | $4,523-11.3% | $4,297-6.7% |
| Admin fee / account holder | $1,635 | $4,986-67.2% | $6,155-73.4% | $6,935-76.4% |