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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 | $88,360-44.3% | $145,433-66.2% | $67,986-27.7% |
| Participation rate | 63.3% | 65.5%-2.2pp | 82.1%-18.8pp | 57.2%+6.1pp |
| Annual return | 17.25% | 63.15%-45.9pp | 66.58%-49.3pp | 31.67%-14.4pp |
| Employer contribution / active EE | $1,246 | $3,054-59.2% | $4,554-72.6% | $2,019-38.3% |
| Participant deferral / active EE | $4,625 | $5,932-22.0% | $7,897-41.4% | $3,358+37.7% |
| Admin fee / account holder | $4,482 | $3,313+35.3% | $13,129-65.9% | $3,203+39.9% |