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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 | $52,438 | $86,940-39.7% | $102,434-48.8% | $80,935-35.2% |
| Participation rate | 39.4% | 72.4%-33.0pp | 76.5%-37.1pp | 67.7%-28.3pp |
| Annual return | 13.96% | 18.89%-4.9pp | 29.46%-15.5pp | 35.66%-21.7pp |
| Employer contribution / active EE | $2,137 | $2,370-9.8% | $3,023-29.3% | $2,757-22.5% |
| Participant deferral / active EE | $4,273 | $4,121+3.7% | $5,055-15.5% | $4,299-0.6% |
| Admin fee / account holder | $783 | $8,047-90.3% | $9,462-91.7% | $6,924-88.7% |