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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 | $47,782 | $65,364-26.9% | $92,909-48.6% | $72,975-34.5% |
| Participation rate | 44.7% | 68.3%-23.6pp | 76.0%-31.3pp | 69.5%-24.8pp |
| Annual return | 21.52% | 42.11%-20.6pp | 109.44%-87.9pp | 81.01%-59.5pp |
| Employer contribution / active EE | $1,587 | $2,594-38.8% | $3,653-56.6% | $2,440-35.0% |
| Participant deferral / active EE | $3,047 | $3,128-2.6% | $4,238-28.1% | $3,608-15.5% |
| Admin fee / account holder | $2,674 | $4,251-37.1% | $5,795-53.9% | $5,124-47.8% |