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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 | $48,060 | $86,919-44.7% | $102,457-53.1% | $80,911-40.6% |
| Participation rate | 44.1% | 72.4%-28.3pp | 76.5%-32.4pp | 67.6%-23.5pp |
| Annual return | 15.07% | 18.90%-3.8pp | 29.41%-14.3pp | 35.63%-20.6pp |
| Employer contribution / active EE | $1,701 | $2,368-28.2% | $3,022-43.7% | $2,756-38.3% |
| Participant deferral / active EE | $2,493 | $4,119-39.5% | $5,054-50.7% | $4,297-42.0% |
| Admin fee / account holder | $1,186 | $8,049-85.3% | $9,451-87.4% | $6,935-82.9% |