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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 | $45,640 | $55,684-18.0% | $75,900-39.9% | $72,976-37.5% |
| Participation rate | 39.8% | 61.1%-21.4pp | 69.3%-29.5pp | 69.5%-29.7pp |
| Annual return | 27.44% | 27.60%-0.2pp | 30.73%-3.3pp | 81.02%-53.6pp |
| Employer contribution / active EE | $1,503 | $1,687-10.9% | $2,501-39.9% | $2,440-38.4% |
| Participant deferral / active EE | $3,556 | $2,634+35.0% | $3,604-1.3% | $3,608-1.4% |
| Admin fee / account holder | $3,474 | $3,981-12.8% | $5,421-35.9% | $5,124-32.2% |