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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 | $46,992 | $95,453-50.8% | $112,040-58.1% | $82,448-43.0% |
| Participation rate | 57.1% | 72.8%-15.6pp | 76.5%-19.3pp | 68.1%-10.9pp |
| Annual return | 17.70% | 23.92%-6.2pp | 24.52%-6.8pp | 41.64%-23.9pp |
| Employer contribution / active EE | $1,798 | $2,318-22.4% | $2,954-39.1% | $2,551-29.5% |
| Participant deferral / active EE | $3,064 | $4,224-27.5% | $5,098-39.9% | $4,139-26.0% |
| Admin fee / account holder | $7,242 | $9,013-19.7% | $12,098-40.1% | $7,234+0.1% |