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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 | $54,845 | $81,457-32.7% | $103,378-46.9% | $80,911-32.2% |
| Participation rate | 38.2% | 66.8%-28.6pp | 74.5%-36.3pp | 67.6%-29.4pp |
| Annual return | 19.01% | 25.58%-6.6pp | 24.91%-5.9pp | 35.63%-16.6pp |
| Employer contribution / active EE | $3,817 | $3,107+22.8% | $3,870-1.4% | $2,756+38.5% |
| Participant deferral / active EE | $4,395 | $3,871+13.5% | $5,058-13.1% | $4,297+2.3% |
| Admin fee / account holder | $762 | $6,717-88.7% | $8,401-90.9% | $6,935-89.0% |