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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 | $39,201 | $53,774-27.1% | $134,162-70.8% | $79,856-50.9% |
| Participation rate | 55.3% | 58.8%-3.5pp | 72.2%-16.9pp | 69.6%-14.3pp |
| Annual return | 17.78% | 19.01%-1.2pp | 36.35%-18.6pp | 31.71%-13.9pp |
| Employer contribution / active EE | $1,424 | $1,322+7.8% | $3,705-61.6% | $2,471-42.4% |
| Participant deferral / active EE | $3,203 | $2,420+32.4% | $3,500-8.5% | $3,741-14.4% |
| Admin fee / account holder | $1,269 | $3,985-68.1% | $6,685-81.0% | $5,306-76.1% |