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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 | $46,850 | $77,472-39.5% | $100,415-53.3% | $80,959-42.1% |
| Participation rate | 49.3% | 76.9%-27.7pp | 81.5%-32.3pp | 67.7%-18.4pp |
| Annual return | 13.58% | 37.26%-23.7pp | 49.47%-35.9pp | 35.67%-22.1pp |
| Employer contribution / active EE | $2,789 | $2,800-0.4% | $3,943-29.3% | $2,757+1.1% |
| Participant deferral / active EE | $6,996 | $6,818+2.6% | $8,091-13.5% | $4,300+62.7% |
| Admin fee / account holder | $2,983 | $5,885-49.3% | $7,906-62.3% | $6,925-56.9% |