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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 | $45,216 | $57,590-21.5% | $86,233-47.6% | $82,448-45.2% |
| Participation rate | 62.2% | 57.9%+4.4pp | 69.0%-6.8pp | 68.1%-5.8pp |
| Annual return | 18.62% | 22.41%-3.8pp | 61.39%-42.8pp | 41.64%-23.0pp |
| Employer contribution / active EE | $690 | $1,655-58.3% | $2,504-72.5% | $2,551-73.0% |
| Participant deferral / active EE | $1,540 | $3,080-50.0% | $4,559-66.2% | $4,139-62.8% |
| Admin fee / account holder | $995 | $4,730-79.0% | $8,342-88.1% | $7,234-86.3% |