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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 | $45,575 | $63,365-28.1% | $91,994-50.5% | $72,975-37.5% |
| Participation rate | 51.6% | 72.5%-20.9pp | 78.6%-27.0pp | 69.5%-17.9pp |
| Annual return | 20.77% | 35.35%-14.6pp | 69.04%-48.3pp | 81.01%-60.2pp |
| Employer contribution / active EE | $2,153 | $2,116+1.8% | $3,453-37.7% | $2,440-11.8% |
| Participant deferral / active EE | $3,618 | $4,883-25.9% | $5,924-38.9% | $3,608+0.3% |
| Admin fee / account holder | $522 | $4,670-88.8% | $7,744-93.3% | $5,124-89.8% |