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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 | $41,693 | $63,904-34.8% | $89,340-53.3% | $67,986-38.7% |
| Participation rate | 47.3% | 54.3%-7.0pp | 69.6%-22.2pp | 57.2%-9.9pp |
| Annual return | 17.09% | 18.09%-1.0pp | 20.57%-3.5pp | 31.67%-14.6pp |
| Employer contribution / active EE | $1,249 | $1,627-23.3% | $2,231-44.0% | $2,019-38.1% |
| Participant deferral / active EE | $2,654 | $2,691-1.4% | $3,823-30.6% | $3,358-21.0% |
| Admin fee / account holder | $2,809 | $3,315-15.3% | $6,704-58.1% | $3,203-12.3% |