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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 | $48,417 | $86,341-43.9% | $125,195-61.3% | $65,186-25.7% |
| Participation rate | 56.5% | 75.3%-18.8pp | 79.8%-23.3pp | 70.2%-13.7pp |
| Annual return | 24.60% | 27.44%-2.8pp | 43.79%-19.2pp | 29.39%-4.8pp |
| Employer contribution / active EE | $1,075 | $2,040-47.3% | $3,866-72.2% | $2,177-50.6% |
| Participant deferral / active EE | $2,474 | $3,538-30.1% | $4,937-49.9% | $3,514-29.6% |
| Admin fee / account holder | $5,857 | $609+861.2% | $9,704-39.6% | $847+591.3% |