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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 | $44,849 | $56,894-21.2% | $84,753-47.1% | $62,881-28.7% |
| Participation rate | 58.2% | 68.5%-10.4pp | 76.6%-18.4pp | 69.3%-11.1pp |
| Annual return | 4.89% | 6.30%-1.4pp | 22.78%-17.9pp | 20.14%-15.3pp |
| Employer contribution / active EE | $1,295 | $2,400-46.0% | $3,574-63.8% | $2,281-43.2% |
| Participant deferral / active EE | $2,003 | $2,709-26.1% | $3,712-46.1% | $3,203-37.5% |
| Admin fee / account holder | $3,642 | $3,581+1.7% | $5,333-31.7% | $4,296-15.2% |