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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 | $47,589 | $86,949-45.3% | $102,460-53.6% | $80,959-41.2% |
| Participation rate | 66.3% | 72.4%-6.1pp | 76.5%-10.2pp | 67.7%-1.4pp |
| Annual return | 15.32% | 18.89%-3.6pp | 29.47%-14.2pp | 35.67%-20.4pp |
| Employer contribution / active EE | $1,639 | $2,370-30.8% | $3,025-45.8% | $2,757-40.6% |
| Participant deferral / active EE | $4,476 | $4,121+8.6% | $5,056-11.5% | $4,300+4.1% |
| Admin fee / account holder | $2,106 | $8,048-73.8% | $9,460-77.7% | $6,925-69.6% |