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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 | $56,610 | $81,504-30.5% | $102,437-44.7% | $80,959-30.1% |
| Participation rate | 49.0% | 66.9%-17.9pp | 74.5%-25.5pp | 67.7%-18.7pp |
| Annual return | 11.39% | 25.60%-14.2pp | 24.95%-13.6pp | 35.67%-24.3pp |
| Employer contribution / active EE | $2,311 | $3,104-25.5% | $3,871-40.3% | $2,757-16.2% |
| Participant deferral / active EE | $3,857 | $3,871-0.4% | $5,060-23.8% | $4,300-10.3% |
| Admin fee / account holder | $2,542 | $6,719-62.2% | $8,388-69.7% | $6,925-63.3% |