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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 | $51,831 | $45,312+14.4% | $86,233-39.9% | $67,986-23.8% |
| Participation rate | 26.4% | 42.4%-16.0pp | 69.0%-42.6pp | 57.2%-30.8pp |
| Annual return | 31.59% | 24.79%+6.8pp | 61.39%-29.8pp | 31.67%-0.1pp |
| Employer contribution / active EE | $552 | $1,160-52.4% | $2,504-77.9% | $2,019-72.6% |
| Participant deferral / active EE | $1,516 | $2,185-30.6% | $4,559-66.8% | $3,358-54.9% |
| Admin fee / account holder | $772 | $3,295-76.6% | $8,342-90.7% | $3,203-75.9% |