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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 | $46,743 | $79,955-41.5% | $98,461-52.5% | $75,173-37.8% |
| Participation rate | 60.0% | 70.4%-10.4pp | 75.2%-15.2pp | 67.2%-7.2pp |
| Annual return | 16.08% | 19.75%-3.7pp | 21.17%-5.1pp | 160.72%-144.6pp |
| Employer contribution / active EE | $1,463 | $2,264-35.4% | $3,049-52.0% | $2,671-45.2% |
| Participant deferral / active EE | $2,782 | $3,752-25.9% | $4,738-41.3% | $4,126-32.6% |
| Admin fee / account holder | $2,166 | $6,841-68.3% | $8,961-75.8% | $5,651-61.7% |