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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 | $49,173 | $75,058-34.5% | $152,301-67.7% | $64,340-23.6% |
| Participation rate | 63.3% | 60.9%+2.4pp | 82.4%-19.1pp | 55.2%+8.1pp |
| Annual return | 17.25% | 29.93%-12.7pp | 80.50%-63.2pp | 24.14%-6.9pp |
| Employer contribution / active EE | $1,246 | $2,605-52.2% | $4,624-73.1% | $1,862-33.1% |
| Participant deferral / active EE | $4,625 | $5,041-8.3% | $8,004-42.2% | $2,980+55.2% |
| Admin fee / account holder | $4,482 | $4,050+10.7% | $14,398-68.9% | $3,703+21.0% |