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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 | $45,133 | $85,515-47.2% | $112,040-59.7% | $67,986-33.6% |
| Participation rate | 52.8% | 68.2%-15.4pp | 76.5%-23.7pp | 57.2%-4.4pp |
| Annual return | 16.32% | 29.68%-13.4pp | 24.52%-8.2pp | 31.67%-15.3pp |
| Employer contribution / active EE | $2,177 | $2,191-0.6% | $2,954-26.3% | $2,019+7.9% |
| Participant deferral / active EE | $4,000 | $4,014-0.3% | $5,098-21.5% | $3,358+19.1% |
| Admin fee / account holder | $6,457 | $3,774+71.1% | $12,098-46.6% | $3,203+101.6% |