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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 | $52,501 | $68,852-23.7% | $120,524-56.4% | $80,925-35.1% |
| Participation rate | 60.7% | 61.6%-0.9pp | 71.9%-11.2pp | 67.7%-6.9pp |
| Annual return | 10.81% | 23.67%-12.9pp | 107.36%-96.6pp | 35.65%-24.8pp |
| Employer contribution / active EE | $1,649 | $2,063-20.1% | $3,469-52.5% | $2,756-40.2% |
| Participant deferral / active EE | $3,887 | $3,187+22.0% | $4,994-22.2% | $4,299-9.6% |
| Admin fee / account holder | $2,135 | $5,781-63.1% | $9,440-77.4% | $6,940-69.2% |