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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 | $51,580 | $79,867-35.4% | $120,344-57.1% | $64,340-19.8% |
| Participation rate | 60.2% | 63.0%-2.8pp | 76.7%-16.5pp | 55.2%+4.9pp |
| Annual return | 13.11% | 21.10%-8.0pp | 20.30%-7.2pp | 24.14%-11.0pp |
| Employer contribution / active EE | $693 | $1,925-64.0% | $3,020-77.0% | $1,862-62.8% |
| Participant deferral / active EE | $3,942 | $3,593+9.7% | $5,135-23.2% | $2,980+32.3% |
| Admin fee / account holder | $6,957 | $5,039+38.0% | $12,742-45.4% | $3,703+87.9% |