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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 | $44,203 | $52,580-15.9% | $71,671-38.3% | $70,124-37.0% |
| Participation rate | 61.5% | 60.9%+0.7pp | 68.7%-7.2pp | 69.5%-8.0pp |
| Annual return | 29.05% | 20.25%+8.8pp | 20.65%+8.4pp | 73.14%-44.1pp |
| Employer contribution / active EE | $1,311 | $1,616-18.9% | $2,460-46.7% | $2,342-44.0% |
| Participant deferral / active EE | $2,202 | $2,386-7.7% | $3,438-35.9% | $3,332-33.9% |
| Admin fee / account holder | $914 | $3,653-75.0% | $5,558-83.6% | $4,645-80.3% |