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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 | $36,128 | $57,119-36.8% | $85,187-57.6% | $80,935-55.4% |
| Participation rate | 51.4% | 56.4%-5.0pp | 67.5%-16.1pp | 67.7%-16.2pp |
| Annual return | 32.63% | 21.70%+10.9pp | 66.67%-34.0pp | 35.66%-3.0pp |
| Employer contribution / active EE | $1,468 | $1,802-18.5% | $2,732-46.3% | $2,757-46.7% |
| Participant deferral / active EE | $3,443 | $3,115+10.5% | $4,525-23.9% | $4,299-19.9% |
| Admin fee / account holder | $4,923 | $4,990-1.3% | $6,162-20.1% | $6,924-28.9% |