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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 | $49,094 | $54,541-10.0% | $78,778-37.7% | $70,126-30.0% |
| Participation rate | 63.4% | 60.8%+2.6pp | 69.2%-5.8pp | 69.5%-6.1pp |
| Annual return | 15.05% | 21.07%-6.0pp | 35.62%-20.6pp | 73.15%-58.1pp |
| Employer contribution / active EE | $788 | $1,089-27.6% | $1,986-60.3% | $2,343-66.4% |
| Participant deferral / active EE | $3,688 | $2,210+66.9% | $2,958+24.7% | $3,332+10.7% |
| Admin fee / account holder | $1,352 | $3,709-63.5% | $5,134-73.7% | $4,645-70.9% |