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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 | $47,160 | $76,696-38.5% | $96,538-51.1% | $71,529-34.1% |
| Participation rate | 51.2% | 66.6%-15.4pp | 74.3%-23.1pp | 67.9%-16.7pp |
| Annual return | 19.55% | 48.32%-28.8pp | 35.74%-16.2pp | 28.97%-9.4pp |
| Employer contribution / active EE | $1,495 | $3,032-50.7% | $3,740-60.0% | $2,590-42.3% |
| Participant deferral / active EE | $2,644 | $3,770-29.9% | $4,880-45.8% | $4,291-38.4% |
| Admin fee / account holder | $3,424 | $2,030+68.7% | $6,737-49.2% | $1,588+115.6% |