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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 | $49,001 | $71,215-31.2% | $93,696-47.7% | $80,935-39.5% |
| Participation rate | 61.2% | 60.4%+0.8pp | 68.7%-7.5pp | 67.7%-6.4pp |
| Annual return | 14.81% | 11.27%+3.5pp | 133.74%-118.9pp | 35.66%-20.8pp |
| Employer contribution / active EE | $2,040 | $1,565+30.4% | $2,422-15.8% | $2,757-26.0% |
| Participant deferral / active EE | $3,426 | $4,037-15.1% | $4,417-22.4% | $4,299-20.3% |
| Admin fee / account holder | $885 | $6,958-87.3% | $8,287-89.3% | $6,924-87.2% |