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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 | $46,258 | $73,988-37.5% | $96,538-52.1% | $75,177-38.5% |
| Participation rate | 69.8% | 66.4%+3.3pp | 74.3%-4.6pp | 67.2%+2.6pp |
| Annual return | 18.62% | 26.73%-8.1pp | 35.74%-17.1pp | 160.75%-142.1pp |
| Employer contribution / active EE | $1,889 | $2,930-35.5% | $3,740-49.5% | $2,671-29.3% |
| Participant deferral / active EE | $4,678 | $3,660+27.8% | $4,880-4.1% | $4,126+13.4% |
| Admin fee / account holder | $4,105 | $5,220-21.4% | $6,737-39.1% | $5,651-27.4% |