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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 | $81,457-30.5% | $103,378-45.2% | $80,911-30.0% |
| Participation rate | 49.0% | 66.8%-17.9pp | 74.5%-25.5pp | 67.6%-18.7pp |
| Annual return | 11.39% | 25.58%-14.2pp | 24.91%-13.5pp | 35.63%-24.2pp |
| Employer contribution / active EE | $2,311 | $3,107-25.6% | $3,870-40.3% | $2,756-16.1% |
| Participant deferral / active EE | $3,857 | $3,871-0.4% | $5,058-23.7% | $4,297-10.3% |
| Admin fee / account holder | $2,542 | $6,717-62.2% | $8,401-69.7% | $6,935-63.3% |