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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 | $55,744 | $60,442-7.8% | $96,754-42.4% | $87,485-36.3% |
| Participation rate | 46.4% | 58.7%-12.3pp | 70.3%-23.8pp | 68.9%-22.5pp |
| Annual return | 18.08% | 21.97%-3.9pp | 82.04%-64.0pp | 26.06%-8.0pp |
| Employer contribution / active EE | $1,792 | $1,691+6.0% | $2,679-33.1% | $2,596-31.0% |
| Participant deferral / active EE | $3,557 | $3,280+8.4% | $4,758-25.2% | $4,274-16.8% |
| Admin fee / account holder | $2,929 | $5,069-42.2% | $8,905-67.1% | $7,775-62.3% |