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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 | $63,949-29.3% | $129,031-65.0% | $94,015-51.9% |
| Participation rate | 62.2% | 63.4%-1.2pp | 73.4%-11.1pp | 70.8%-8.6pp |
| Annual return | 18.62% | 17.56%+1.1pp | 34.67%-16.1pp | 17.84%+0.8pp |
| Employer contribution / active EE | $690 | $1,865-63.0% | $3,226-78.6% | $2,790-75.3% |
| Participant deferral / active EE | $1,540 | $3,686-58.2% | $5,217-70.5% | $4,249-63.8% |
| Admin fee / account holder | $995 | $5,523-82.0% | $13,208-92.5% | $8,951-88.9% |