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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 | $50,468 | $76,834-34.3% | $108,359-53.4% | $87,485-42.3% |
| Participation rate | 22.2% | 61.7%-39.5pp | 70.1%-47.9pp | 68.9%-46.7pp |
| Annual return | 15.22% | 19.09%-3.9pp | 36.89%-21.7pp | 26.06%-10.8pp |
| Employer contribution / active EE | $1,756 | $1,556+12.8% | $2,399-26.8% | $2,596-32.4% |
| Participant deferral / active EE | $1,631 | $3,100-47.4% | $4,137-60.6% | $4,274-61.8% |
| Admin fee / account holder | $10,231 | $6,537+56.5% | $9,741+5.0% | $7,775+31.6% |