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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 | $50,742 | $69,444-26.9% | $92,985-45.4% | $87,485-42.0% |
| Participation rate | 46.9% | 63.3%-16.4pp | 69.5%-22.6pp | 68.9%-22.1pp |
| Annual return | 16.03% | 23.85%-7.8pp | 27.99%-12.0pp | 26.06%-10.0pp |
| Employer contribution / active EE | $1,621 | $1,917-15.4% | $2,662-39.1% | $2,596-37.6% |
| Participant deferral / active EE | $2,720 | $3,364-19.1% | $4,377-37.8% | $4,274-36.3% |
| Admin fee / account holder | $4,687 | $6,137-23.6% | $9,463-50.5% | $7,775-39.7% |