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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 | $46,067 | $79,955-42.4% | $98,461-53.2% | $75,173-38.7% |
| Participation rate | 60.6% | 70.4%-9.8pp | 75.2%-14.6pp | 67.2%-6.6pp |
| Annual return | 19.08% | 19.75%-0.7pp | 21.17%-2.1pp | 160.72%-141.6pp |
| Employer contribution / active EE | $1,935 | $2,264-14.6% | $3,049-36.5% | $2,671-27.6% |
| Participant deferral / active EE | $3,577 | $3,752-4.7% | $4,738-24.5% | $4,126-13.3% |
| Admin fee / account holder | $8,749 | $6,841+27.9% | $8,961-2.4% | $5,651+54.8% |