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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 | $62,538 | $81,457-23.2% | $103,378-39.5% | $80,911-22.7% |
| Participation rate | 52.0% | 66.8%-14.8pp | 74.5%-22.5pp | 67.6%-15.6pp |
| Annual return | 18.95% | 25.58%-6.6pp | 24.91%-6.0pp | 35.63%-16.7pp |
| Employer contribution / active EE | $799 | $3,107-74.3% | $3,870-79.4% | $2,756-71.0% |
| Participant deferral / active EE | $4,444 | $3,871+14.8% | $5,058-12.1% | $4,297+3.4% |
| Admin fee / account holder | $11,983 | $6,717+78.4% | $8,401+42.6% | $6,935+72.8% |