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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 | $60,442-25.2% | $96,754-53.3% | $87,485-48.3% |
| Participation rate | 62.2% | 58.7%+3.5pp | 70.3%-8.1pp | 68.9%-6.7pp |
| Annual return | 18.62% | 21.97%-3.4pp | 82.04%-63.4pp | 26.06%-7.4pp |
| Employer contribution / active EE | $690 | $1,691-59.2% | $2,679-74.3% | $2,596-73.4% |
| Participant deferral / active EE | $1,540 | $3,280-53.1% | $4,758-67.6% | $4,274-64.0% |
| Admin fee / account holder | $995 | $5,069-80.4% | $8,905-88.8% | $7,775-87.2% |