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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 | $48,389 | $57,061-15.2% | $85,063-43.1% | $80,911-40.2% |
| Participation rate | 61.8% | 56.3%+5.4pp | 67.5%-5.7pp | 67.6%-5.9pp |
| Annual return | 11.77% | 21.66%-9.9pp | 66.54%-54.8pp | 35.63%-23.9pp |
| Employer contribution / active EE | $1,212 | $1,799-32.6% | $2,727-55.6% | $2,756-56.0% |
| Participant deferral / active EE | $1,827 | $3,110-41.3% | $4,523-59.6% | $4,297-57.5% |
| Admin fee / account holder | $413 | $4,986-91.7% | $6,155-93.3% | $6,935-94.0% |