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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 | $45,039 | $65,364-31.1% | $92,909-51.5% | $72,975-38.3% |
| Participation rate | 48.2% | 68.3%-20.1pp | 76.0%-27.8pp | 69.5%-21.3pp |
| Annual return | 22.31% | 42.11%-19.8pp | 109.44%-87.1pp | 81.01%-58.7pp |
| Employer contribution / active EE | $1,687 | $2,594-35.0% | $3,653-53.8% | $2,440-30.8% |
| Participant deferral / active EE | $2,925 | $3,128-6.5% | $4,238-31.0% | $3,608-18.9% |
| Admin fee / account holder | $1,898 | $4,251-55.4% | $5,795-67.2% | $5,124-63.0% |