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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 | $42,874 | $57,119-24.9% | $85,187-49.7% | $80,935-47.0% |
| Participation rate | 48.6% | 56.4%-7.8pp | 67.5%-18.9pp | 67.7%-19.0pp |
| Annual return | 18.07% | 21.70%-3.6pp | 66.67%-48.6pp | 35.66%-17.6pp |
| Employer contribution / active EE | $1,783 | $1,802-1.0% | $2,732-34.7% | $2,757-35.3% |
| Participant deferral / active EE | $3,645 | $3,115+17.0% | $4,525-19.4% | $4,299-15.2% |
| Admin fee / account holder | $1,976 | $4,990-60.4% | $6,162-67.9% | $6,924-71.5% |