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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 | $50,390 | $78,015-35.4% | $178,505-71.8% | $80,959-37.8% |
| Participation rate | 39.2% | 65.7%-26.5pp | 77.1%-37.9pp | 67.7%-28.5pp |
| Annual return | 18.78% | 18.10%+0.7pp | 27.16%-8.4pp | 35.67%-16.9pp |
| Employer contribution / active EE | $1,304 | $2,281-42.9% | $3,955-67.0% | $2,757-52.7% |
| Participant deferral / active EE | $3,051 | $4,406-30.7% | $6,280-51.4% | $4,300-29.0% |
| Admin fee / account holder | $2,535 | $7,160-64.6% | $10,428-75.7% | $6,925-63.4% |