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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 | $46,966 | $114,712-59.1% | $173,730-73.0% | $87,485-46.3% |
| Participation rate | 42.0% | 73.0%-31.0pp | 79.6%-37.6pp | 68.9%-26.9pp |
| Annual return | 15.12% | 20.18%-5.1pp | 19.96%-4.8pp | 26.06%-10.9pp |
| Employer contribution / active EE | $1,268 | $2,904-56.3% | $4,577-72.3% | $2,596-51.2% |
| Participant deferral / active EE | $2,152 | $4,642-53.6% | $6,326-66.0% | $4,274-49.7% |
| Admin fee / account holder | $9,434 | $10,210-7.6% | $17,523-46.2% | $7,775+21.3% |