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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 | $47,330 | $46,464+1.9% | $150,298-68.5% | $79,634-40.6% |
| Participation rate | 29.1% | 57.0%-27.8pp | 77.8%-48.6pp | 62.5%-33.4pp |
| Annual return | 18.42% | 27.89%-9.5pp | 62.79%-44.4pp | 36.46%-18.0pp |
| Employer contribution / active EE | $1,455 | $1,512-3.7% | $4,154-65.0% | $2,529-42.5% |
| Participant deferral / active EE | $2,802 | $2,157+29.9% | $5,453-48.6% | $3,835-26.9% |
| Admin fee / account holder | $7,840 | $891+780.2% | $14,116-44.5% | $1,002+682.5% |