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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 | $81,487-32.7% | $102,412-46.4% | $80,935-32.2% |
| Participation rate | 38.2% | 66.8%-28.6pp | 74.5%-36.3pp | 67.7%-29.4pp |
| Annual return | 19.01% | 25.60%-6.6pp | 24.94%-5.9pp | 35.66%-16.6pp |
| Employer contribution / active EE | $3,817 | $3,103+23.0% | $3,870-1.4% | $2,757+38.5% |
| Participant deferral / active EE | $4,395 | $3,871+13.6% | $5,060-13.1% | $4,299+2.2% |
| Admin fee / account holder | $762 | $6,717-88.7% | $8,388-90.9% | $6,924-89.0% |