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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 | $43,454 | $63,082-31.1% | $81,726-46.8% | $79,856-45.6% |
| Participation rate | 66.3% | 67.5%-1.2pp | 72.0%-5.7pp | 69.6%-3.3pp |
| Annual return | 14.95% | 22.66%-7.7pp | 29.49%-14.5pp | 31.71%-16.8pp |
| Employer contribution / active EE | $981 | $1,795-45.3% | $4,311-77.2% | $2,471-60.3% |
| Participant deferral / active EE | $4,292 | $2,780+54.4% | $7,108-39.6% | $3,741+14.7% |
| Admin fee / account holder | $10,869 | $4,428+145.4% | $5,160+110.6% | $5,306+104.8% |