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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 | $61,782 | $37,436+65.0% | $77,513-20.3% | $79,858-22.6% |
| Participation rate | 48.1% | 41.5%+6.6pp | 54.2%-6.0pp | 69.6%-21.5pp |
| Annual return | 17.33% | 39.75%-22.4pp | 54.81%-37.5pp | 31.72%-14.4pp |
| Employer contribution / active EE | $1,513 | $637+137.5% | $987+53.3% | $2,471-38.8% |
| Participant deferral / active EE | $3,559 | $1,261+182.4% | $1,861+91.3% | $3,740-4.8% |
| Admin fee / account holder | $1,061 | $2,505-57.7% | $2,859-62.9% | $5,306-80.0% |