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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 | $50,435 | $94,031-46.4% | $115,768-56.4% | $82,448-38.8% |
| Participation rate | 43.4% | 70.4%-27.0pp | 74.4%-31.0pp | 68.1%-24.6pp |
| Annual return | 21.74% | 20.61%+1.1pp | 100.46%-78.7pp | 41.64%-19.9pp |
| Employer contribution / active EE | $1,099 | $2,323-52.7% | $2,940-62.6% | $2,551-56.9% |
| Participant deferral / active EE | $1,868 | $3,972-53.0% | $4,917-62.0% | $4,139-54.9% |
| Admin fee / account holder | $8,738 | $10,249-14.7% | $12,439-29.8% | $7,234+20.8% |