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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 | $49,529 | $53,774-7.9% | $134,162-63.1% | $79,856-38.0% |
| Participation rate | 65.5% | 58.8%+6.7pp | 72.2%-6.7pp | 69.6%-4.1pp |
| Annual return | 12.44% | 19.01%-6.6pp | 36.35%-23.9pp | 31.71%-19.3pp |
| Employer contribution / active EE | $657 | $1,322-50.3% | $3,705-82.3% | $2,471-73.4% |
| Participant deferral / active EE | $1,835 | $2,420-24.2% | $3,500-47.6% | $3,741-50.9% |
| Admin fee / account holder | $1,300 | $3,985-67.4% | $6,685-80.6% | $5,306-75.5% |