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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 | $44,083 | $56,894-22.5% | $84,753-48.0% | $62,881-29.9% |
| Participation rate | 56.8% | 68.5%-11.7pp | 76.6%-19.8pp | 69.3%-12.5pp |
| Annual return | 7.91% | 6.30%+1.6pp | 22.78%-14.9pp | 20.14%-12.2pp |
| Employer contribution / active EE | $501 | $2,400-79.1% | $3,574-86.0% | $2,281-78.0% |
| Participant deferral / active EE | $1,921 | $2,709-29.1% | $3,712-48.3% | $3,203-40.0% |
| Admin fee / account holder | $5,573 | $3,581+55.6% | $5,333+4.5% | $4,296+29.7% |