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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 | $43,138 | $83,023-48.0% | $102,437-57.9% | $77,762-44.5% |
| Participation rate | 61.1% | 71.5%-10.4pp | 74.5%-13.4pp | 70.6%-9.5pp |
| Annual return | 19.17% | 19.12%+0.1pp | 24.95%-5.8pp | 31.27%-12.1pp |
| Employer contribution / active EE | $2,397 | $3,552-32.5% | $3,871-38.1% | $2,728-12.1% |
| Participant deferral / active EE | $5,178 | $4,110+26.0% | $5,060+2.3% | $4,651+11.3% |
| Admin fee / account holder | $3,335 | $639+421.9% | $8,388-60.2% | $433+670.5% |