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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 | $53,460 | $75,541-29.2% | $152,093-64.9% | $82,637-35.3% |
| Participation rate | 29.6% | 66.5%-36.9pp | 77.8%-48.1pp | 68.1%-38.4pp |
| Annual return | 17.43% | 32.56%-15.1pp | 66.36%-48.9pp | 53.51%-36.1pp |
| Employer contribution / active EE | $1,874 | $2,622-28.5% | $4,175-55.1% | $2,552-26.6% |
| Participant deferral / active EE | $2,210 | $3,206-31.1% | $5,451-59.5% | $4,126-46.4% |
| Admin fee / account holder | $1,772 | $6,405-72.3% | $14,497-87.8% | $7,339-75.9% |