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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 | $45,963 | $71,230-35.5% | $93,727-51.0% | $80,959-43.2% |
| Participation rate | 63.9% | 60.4%+3.5pp | 68.7%-4.8pp | 67.7%-3.8pp |
| Annual return | 13.90% | 11.26%+2.6pp | 133.83%-119.9pp | 35.67%-21.8pp |
| Employer contribution / active EE | $1,389 | $1,565-11.3% | $2,421-42.7% | $2,757-49.6% |
| Participant deferral / active EE | $3,274 | $4,037-18.9% | $4,417-25.9% | $4,300-23.9% |
| Admin fee / account holder | $482 | $6,961-93.1% | $8,292-94.2% | $6,925-93.0% |