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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 | $51,729 | $60,349-14.3% | $74,184-30.3% | $62,881-17.7% |
| Participation rate | 51.3% | 72.7%-21.4pp | 76.6%-25.3pp | 69.3%-18.0pp |
| Annual return | 7.95% | 21.38%-13.4pp | 17.74%-9.8pp | 20.14%-12.2pp |
| Employer contribution / active EE | $1,428 | $1,680-15.0% | $2,370-39.7% | $2,281-37.4% |
| Participant deferral / active EE | $3,279 | $2,856+14.8% | $3,550-7.6% | $3,203+2.4% |
| Admin fee / account holder | $4,938 | $4,261+15.9% | $5,586-11.6% | $4,296+14.9% |