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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 | $48,204 | $80,674-40.2% | $119,126-59.5% | $64,340-25.1% |
| Participation rate | 57.0% | 55.2%+1.8pp | 75.8%-18.8pp | 55.2%+1.7pp |
| Annual return | 20.68% | 26.86%-6.2pp | 282.11%-261.4pp | 24.14%-3.5pp |
| Employer contribution / active EE | $2,642 | $2,564+3.0% | $4,034-34.5% | $1,862+41.9% |
| Participant deferral / active EE | $3,731 | $3,053+22.2% | $5,318-29.8% | $2,980+25.2% |
| Admin fee / account holder | $4,345 | $4,559-4.7% | $10,693-59.4% | $3,703+17.4% |