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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 | $46,536 | $53,128-12.4% | $86,582-46.3% | $70,126-33.6% |
| Participation rate | 52.0% | 65.3%-13.3pp | 73.5%-21.5pp | 69.5%-17.5pp |
| Annual return | 12.76% | 27.66%-14.9pp | 965.08%-952.3pp | 73.15%-60.4pp |
| Employer contribution / active EE | $1,312 | $2,068-36.6% | $2,839-53.8% | $2,343-44.0% |
| Participant deferral / active EE | $3,194 | $2,695+18.5% | $3,609-11.5% | $3,332-4.1% |
| Admin fee / account holder | $4,008 | $3,584+11.8% | $4,904-18.3% | $4,645-13.7% |