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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 | $48,461 | $76,551-36.7% | $123,894-60.9% | $62,881-22.9% |
| Participation rate | 36.7% | 73.0%-36.3pp | 81.4%-44.7pp | 69.3%-32.6pp |
| Annual return | 10.33% | 18.68%-8.3pp | 47.52%-37.2pp | 20.14%-9.8pp |
| Employer contribution / active EE | $2,167 | $2,882-24.8% | $4,617-53.1% | $2,281-5.0% |
| Participant deferral / active EE | $4,521 | $4,840-6.6% | $5,984-24.5% | $3,203+41.1% |
| Admin fee / account holder | $13,666 | $4,826+183.2% | $8,357+63.5% | $4,296+218.1% |