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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 | $49,123 | $49,025+0.2% | $87,502-43.9% | $62,881-21.9% |
| Participation rate | 56.4% | 64.9%-8.5pp | 73.8%-17.5pp | 69.3%-12.9pp |
| Annual return | 8.71% | 10.02%-1.3pp | 12.21%-3.5pp | 20.14%-11.4pp |
| Employer contribution / active EE | $372 | $1,372-72.9% | $2,550-85.4% | $2,281-83.7% |
| Participant deferral / active EE | $2,314 | $2,289+1.1% | $3,149-26.5% | $3,203-27.8% |
| Admin fee / account holder | $476 | $4,065-88.3% | $4,221-88.7% | $4,296-88.9% |