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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 | $49,349 | $86,949-43.2% | $102,460-51.8% | $80,959-39.0% |
| Participation rate | 69.7% | 72.4%-2.7pp | 76.5%-6.8pp | 67.7%+2.0pp |
| Annual return | 12.47% | 18.89%-6.4pp | 29.47%-17.0pp | 35.67%-23.2pp |
| Employer contribution / active EE | $2,306 | $2,370-2.7% | $3,025-23.8% | $2,757-16.4% |
| Participant deferral / active EE | $6,101 | $4,121+48.0% | $5,056+20.7% | $4,300+41.9% |
| Admin fee / account holder | $2,039 | $8,048-74.7% | $9,460-78.4% | $6,925-70.6% |