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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 | $43,647 | $65,378-33.2% | $87,103-49.9% | $65,186-33.0% |
| Participation rate | 56.3% | 75.3%-19.0pp | 76.9%-20.6pp | 70.2%-13.9pp |
| Annual return | 24.53% | 31.28%-6.7pp | 28.19%-3.7pp | 29.39%-4.9pp |
| Employer contribution / active EE | $1,294 | $1,823-29.0% | $2,521-48.7% | $2,177-40.6% |
| Participant deferral / active EE | $1,961 | $3,389-42.1% | $4,049-51.6% | $3,514-44.2% |
| Admin fee / account holder | $2,080 | $520+300.1% | $7,491-72.2% | $847+145.5% |