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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 | $48,809 | $81,504-40.1% | $102,437-52.4% | $80,959-39.7% |
| Participation rate | 65.3% | 66.9%-1.6pp | 74.5%-9.2pp | 67.7%-2.4pp |
| Annual return | 15.41% | 25.60%-10.2pp | 24.95%-9.5pp | 35.67%-20.3pp |
| Employer contribution / active EE | $1,814 | $3,104-41.5% | $3,871-53.1% | $2,757-34.2% |
| Participant deferral / active EE | $3,712 | $3,871-4.1% | $5,060-26.6% | $4,300-13.7% |
| Admin fee / account holder | $620 | $6,719-90.8% | $8,388-92.6% | $6,925-91.0% |