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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 | $49,125 | $51,708-5.0% | $106,619-53.9% | $62,881-21.9% |
| Participation rate | 48.8% | 66.9%-18.0pp | 78.0%-29.2pp | 69.3%-20.5pp |
| Annual return | 7.35% | 4.69%+2.7pp | 9.42%-2.1pp | 20.14%-12.8pp |
| Employer contribution / active EE | $1,612 | $1,764-8.6% | $3,947-59.2% | $2,281-29.3% |
| Participant deferral / active EE | $2,572 | $2,315+11.1% | $3,930-34.5% | $3,203-19.7% |
| Admin fee / account holder | $3,632 | $3,349+8.5% | $6,418-43.4% | $4,296-15.4% |