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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 | $55,204 | $123,478-55.3% | $216,567-74.5% | $94,015-41.3% |
| Participation rate | 48.7% | 75.1%-26.4pp | 81.6%-32.9pp | 70.8%-22.1pp |
| Annual return | 35.17% | 23.61%+11.6pp | 12.94%+22.2pp | 17.84%+17.3pp |
| Employer contribution / active EE | $1,942 | $3,136-38.1% | $5,216-62.8% | $2,790-30.4% |
| Participant deferral / active EE | $3,769 | $4,556-17.3% | $6,191-39.1% | $4,249-11.3% |
| Admin fee / account holder | $4,515 | $12,753-64.6% | $21,981-79.5% | $8,951-49.6% |