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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 | $57,119-15.3% | $85,187-43.2% | $80,935-40.2% |
| Participation rate | 61.8% | 56.4%+5.4pp | 67.5%-5.8pp | 67.7%-5.9pp |
| Annual return | 11.77% | 21.70%-9.9pp | 66.67%-54.9pp | 35.66%-23.9pp |
| Employer contribution / active EE | $1,212 | $1,802-32.7% | $2,732-55.6% | $2,757-56.0% |
| Participant deferral / active EE | $1,827 | $3,115-41.4% | $4,525-59.6% | $4,299-57.5% |
| Admin fee / account holder | $413 | $4,990-91.7% | $6,162-93.3% | $6,924-94.0% |