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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 | $48,815 | $58,627-16.7% | $76,735-36.4% | $82,448-40.8% |
| Participation rate | 55.8% | 63.2%-7.4pp | 69.5%-13.7pp | 68.1%-12.3pp |
| Annual return | 26.74% | 39.10%-12.4pp | 29.77%-3.0pp | 41.64%-14.9pp |
| Employer contribution / active EE | $1,992 | $1,729+15.2% | $2,454-18.8% | $2,551-21.9% |
| Participant deferral / active EE | $3,840 | $3,134+22.5% | $4,088-6.1% | $4,139-7.2% |
| Admin fee / account holder | $2,336 | $5,323-56.1% | $7,189-67.5% | $7,234-67.7% |