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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 | $45,089 | $65,027-30.7% | $90,970-50.4% | $79,852-43.5% |
| Participation rate | 59.4% | 61.6%-2.2pp | 69.0%-9.6pp | 69.6%-10.3pp |
| Annual return | 20.82% | 30.45%-9.6pp | 134.58%-113.8pp | 31.72%-10.9pp |
| Employer contribution / active EE | $1,481 | $1,247+18.8% | $2,122-30.2% | $2,471-40.0% |
| Participant deferral / active EE | $2,456 | $2,512-2.2% | $3,373-27.2% | $3,740-34.3% |
| Admin fee / account holder | $3,380 | $4,535-25.5% | $5,960-43.3% | $5,306-36.3% |