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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 | $49,497 | $56,894-13.0% | $84,753-41.6% | $62,881-21.3% |
| Participation rate | 66.7% | 68.5%-1.9pp | 76.6%-9.9pp | 69.3%-2.6pp |
| Annual return | 8.71% | 6.30%+2.4pp | 22.78%-14.1pp | 20.14%-11.4pp |
| Employer contribution / active EE | $1,791 | $2,400-25.4% | $3,574-49.9% | $2,281-21.5% |
| Participant deferral / active EE | $3,172 | $2,709+17.1% | $3,712-14.5% | $3,203-1.0% |
| Admin fee / account holder | $1,026 | $3,581-71.3% | $5,333-80.8% | $4,296-76.1% |