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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 | $50,478 | $72,027-29.9% | $185,861-72.8% | $79,856-36.8% |
| Participation rate | 59.8% | 65.8%-6.0pp | 78.0%-18.2pp | 69.6%-9.8pp |
| Annual return | 17.32% | 23.13%-5.8pp | 35.96%-18.6pp | 31.71%-14.4pp |
| Employer contribution / active EE | $545 | $1,965-72.3% | $4,088-86.7% | $2,471-78.0% |
| Participant deferral / active EE | $4,222 | $3,780+11.7% | $5,634-25.1% | $3,741+12.9% |
| Admin fee / account holder | $1,891 | $4,513-58.1% | $9,503-80.1% | $5,306-64.4% |