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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 | $46,787 | $56,544-17.3% | $75,501-38.0% | $70,126-33.3% |
| Participation rate | 12.9% | 68.1%-55.2pp | 72.4%-59.5pp | 69.5%-56.6pp |
| Annual return | 12.92% | 23.59%-10.7pp | 27.35%-14.4pp | 73.15%-60.2pp |
| Employer contribution / active EE | $2,120 | $1,817+16.7% | $2,352-9.9% | $2,343-9.5% |
| Participant deferral / active EE | $3,350 | $2,580+29.8% | $3,142+6.6% | $3,332+0.5% |
| Admin fee / account holder | $14,496 | $3,827+278.8% | $5,801+149.9% | $4,645+212.0% |