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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 | $46,890 | $56,054-16.3% | $171,082-72.6% | $62,881-25.4% |
| Participation rate | 68.8% | 62.9%+5.9pp | 76.7%-7.9pp | 69.3%-0.6pp |
| Annual return | 8.64% | 22.52%-13.9pp | 32.56%-23.9pp | 20.14%-11.5pp |
| Employer contribution / active EE | $1,318 | $1,731-23.9% | $4,002-67.1% | $2,281-42.2% |
| Participant deferral / active EE | $3,125 | $3,158-1.0% | $4,797-34.9% | $3,203-2.4% |
| Admin fee / account holder | $2,663 | $3,647-27.0% | $8,520-68.7% | $4,296-38.0% |