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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 | $81,331-40.5% | $155,534-68.9% | $80,935-40.2% |
| Participation rate | 63.9% | 66.3%-2.4pp | 78.2%-14.3pp | 67.7%-3.8pp |
| Annual return | 12.87% | 33.37%-20.5pp | 64.92%-52.1pp | 35.66%-22.8pp |
| Employer contribution / active EE | $1,716 | $3,105-44.7% | $4,675-63.3% | $2,757-37.8% |
| Participant deferral / active EE | $3,812 | $3,454+10.3% | $5,630-32.3% | $4,299-11.3% |
| Admin fee / account holder | $3,926 | $7,999-50.9% | $15,900-75.3% | $6,924-43.3% |