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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 | $41,345 | $77,472-46.6% | $100,415-58.8% | $80,959-48.9% |
| Participation rate | 54.0% | 76.9%-22.9pp | 81.5%-27.5pp | 67.7%-13.7pp |
| Annual return | 13.86% | 37.26%-23.4pp | 49.47%-35.6pp | 35.67%-21.8pp |
| Employer contribution / active EE | $1,432 | $2,800-48.9% | $3,943-63.7% | $2,757-48.1% |
| Participant deferral / active EE | $7,468 | $6,818+9.5% | $8,091-7.7% | $4,300+73.6% |
| Admin fee / account holder | $7,767 | $5,885+32.0% | $7,906-1.8% | $6,925+12.2% |