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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 | $49,403 | $64,359-23.2% | $90,161-45.2% | $70,126-29.6% |
| Participation rate | 66.7% | 70.4%-3.8pp | 76.9%-10.2pp | 69.5%-2.9pp |
| Annual return | 20.04% | 28.13%-8.1pp | 34.89%-14.8pp | 73.15%-53.1pp |
| Employer contribution / active EE | $1,952 | $2,046-4.6% | $3,318-41.2% | $2,343-16.7% |
| Participant deferral / active EE | $3,464 | $4,389-21.1% | $5,287-34.5% | $3,332+4.0% |
| Admin fee / account holder | $1,660 | $3,945-57.9% | $5,943-72.1% | $4,645-64.3% |