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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 | $49,929 | $106,749-53.2% | $145,433-65.7% | $82,448-39.4% |
| Participation rate | 46.7% | 75.6%-29.0pp | 82.1%-35.5pp | 68.1%-21.4pp |
| Annual return | 18.52% | 27.59%-9.1pp | 66.58%-48.1pp | 41.64%-23.1pp |
| Employer contribution / active EE | $2,080 | $3,444-39.6% | $4,554-54.3% | $2,551-18.4% |
| Participant deferral / active EE | $6,599 | $6,519+1.2% | $7,897-16.4% | $4,139+59.4% |
| Admin fee / account holder | $3,512 | $8,390-58.1% | $13,129-73.3% | $7,234-51.5% |