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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 | $43,255 | $86,919-50.2% | $102,457-57.8% | $80,911-46.5% |
| Participation rate | 50.0% | 72.4%-22.4pp | 76.5%-26.5pp | 67.6%-17.6pp |
| Annual return | 15.54% | 18.90%-3.4pp | 29.41%-13.9pp | 35.63%-20.1pp |
| Employer contribution / active EE | $2,546 | $2,368+7.5% | $3,022-15.8% | $2,756-7.6% |
| Participant deferral / active EE | $4,867 | $4,119+18.1% | $5,054-3.7% | $4,297+13.3% |
| Admin fee / account holder | $1,595 | $8,049-80.2% | $9,451-83.1% | $6,935-77.0% |