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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 | $47,880 | $78,015-38.6% | $178,505-73.2% | $80,959-40.9% |
| Participation rate | 40.0% | 65.7%-25.7pp | 77.1%-37.1pp | 67.7%-27.7pp |
| Annual return | 13.49% | 18.10%-4.6pp | 27.16%-13.7pp | 35.67%-22.2pp |
| Employer contribution / active EE | $1,735 | $2,281-24.0% | $3,955-56.1% | $2,757-37.1% |
| Participant deferral / active EE | $3,197 | $4,406-27.4% | $6,280-49.1% | $4,300-25.6% |
| Admin fee / account holder | $8,539 | $7,160+19.3% | $10,428-18.1% | $6,925+23.3% |