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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 | $110,137-49.9% | $161,149-65.7% | $82,637-33.2% |
| Participation rate | 48.7% | 72.4%-23.6pp | 78.8%-30.1pp | 68.1%-19.3pp |
| Annual return | 35.17% | 20.69%+14.5pp | 21.16%+14.0pp | 53.51%-18.3pp |
| Employer contribution / active EE | $1,942 | $2,856-32.0% | $4,360-55.5% | $2,552-23.9% |
| Participant deferral / active EE | $3,769 | $4,575-17.6% | $6,153-38.7% | $4,126-8.7% |
| Admin fee / account holder | $4,515 | $9,467-52.3% | $15,194-70.3% | $7,339-38.5% |