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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 | $53,600 | $78,520-31.7% | $96,576-44.5% | $82,448-35.0% |
| Participation rate | 46.3% | 77.7%-31.4pp | 81.4%-35.1pp | 68.1%-21.7pp |
| Annual return | 18.08% | 41.30%-23.2pp | 38.47%-20.4pp | 41.64%-23.6pp |
| Employer contribution / active EE | $1,425 | $2,630-45.8% | $3,553-59.9% | $2,551-44.1% |
| Participant deferral / active EE | $7,439 | $6,754+10.1% | $7,956-6.5% | $4,139+79.7% |
| Admin fee / account holder | $11,991 | $13,455-10.9% | $11,381+5.4% | $7,234+65.8% |