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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 | $48,164 | $73,787-34.7% | $98,716-51.2% | $82,448-41.6% |
| Participation rate | 62.3% | 61.4%+0.9pp | 69.3%-7.0pp | 68.1%-5.7pp |
| Annual return | 14.75% | 18.57%-3.8pp | 31.81%-17.1pp | 41.64%-26.9pp |
| Employer contribution / active EE | $1,060 | $1,511-29.9% | $2,279-53.5% | $2,551-58.4% |
| Participant deferral / active EE | $2,586 | $3,081-16.1% | $4,048-36.1% | $4,139-37.5% |
| Admin fee / account holder | $11,084 | $6,500+70.5% | $8,703+27.4% | $7,234+53.2% |