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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 | $46,868 | $54,541-14.1% | $78,778-40.5% | $70,126-33.2% |
| Participation rate | 44.1% | 60.8%-16.7pp | 69.2%-25.1pp | 69.5%-25.4pp |
| Annual return | 13.13% | 21.07%-7.9pp | 35.62%-22.5pp | 73.15%-60.0pp |
| Employer contribution / active EE | $948 | $1,089-12.9% | $1,986-52.3% | $2,343-59.5% |
| Participant deferral / active EE | $1,264 | $2,210-42.8% | $2,958-57.3% | $3,332-62.1% |
| Admin fee / account holder | $3,988 | $3,709+7.5% | $5,134-22.3% | $4,645-14.2% |