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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 | $49,721 | $58,523-15.0% | $99,475-50.0% | $72,975-31.9% |
| Participation rate | 64.7% | 64.6%+0.1pp | 73.8%-9.1pp | 69.5%-4.8pp |
| Annual return | 18.88% | 28.51%-9.6pp | 30.72%-11.8pp | 81.01%-62.1pp |
| Employer contribution / active EE | $1,953 | $1,512+29.2% | $2,540-23.1% | $2,440-20.0% |
| Participant deferral / active EE | $3,353 | $2,606+28.6% | $3,619-7.4% | $3,608-7.1% |
| Admin fee / account holder | $1,667 | $4,102-59.4% | $6,252-73.3% | $5,124-67.5% |