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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 | $47,144 | $65,364-27.9% | $92,909-49.3% | $72,975-35.4% |
| Participation rate | 62.3% | 68.3%-6.0pp | 76.0%-13.7pp | 69.5%-7.2pp |
| Annual return | 30.48% | 42.11%-11.6pp | 109.44%-79.0pp | 81.01%-50.5pp |
| Employer contribution / active EE | $687 | $2,594-73.5% | $3,653-81.2% | $2,440-71.8% |
| Participant deferral / active EE | $3,927 | $3,128+25.5% | $4,238-7.3% | $3,608+8.8% |
| Admin fee / account holder | $5,308 | $4,251+24.9% | $5,795-8.4% | $5,124+3.6% |