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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 | $49,569 | $60,349-17.9% | $74,184-33.2% | $62,881-21.2% |
| Participation rate | 53.8% | 72.7%-19.0pp | 76.6%-22.9pp | 69.3%-15.6pp |
| Annual return | 9.78% | 21.38%-11.6pp | 17.74%-8.0pp | 20.14%-10.4pp |
| Employer contribution / active EE | $1,079 | $1,680-35.8% | $2,370-54.5% | $2,281-52.7% |
| Participant deferral / active EE | $2,047 | $2,856-28.3% | $3,550-42.3% | $3,203-36.1% |
| Admin fee / account holder | $1,969 | $4,261-53.8% | $5,586-64.8% | $4,296-54.2% |