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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 | $48,368 | $81,358-40.5% | $155,556-68.9% | $80,959-40.3% |
| Participation rate | 63.9% | 66.3%-2.4pp | 78.2%-14.3pp | 67.7%-3.8pp |
| Annual return | 12.87% | 33.39%-20.5pp | 64.84%-52.0pp | 35.67%-22.8pp |
| Employer contribution / active EE | $1,716 | $3,106-44.8% | $4,675-63.3% | $2,757-37.8% |
| Participant deferral / active EE | $3,812 | $3,455+10.3% | $5,631-32.3% | $4,300-11.4% |
| Admin fee / account holder | $3,926 | $7,994-50.9% | $15,885-75.3% | $6,925-43.3% |