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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 | $48,284 | $62,672-23.0% | $185,117-73.9% | $70,126-31.1% |
| Participation rate | 68.1% | 63.8%+4.3pp | 77.3%-9.2pp | 69.5%-1.5pp |
| Annual return | 19.68% | 40.79%-21.1pp | 40.50%-20.8pp | 73.15%-53.5pp |
| Employer contribution / active EE | $1,923 | $1,753+9.7% | $4,182-54.0% | $2,343-17.9% |
| Participant deferral / active EE | $2,527 | $3,272-22.8% | $5,045-49.9% | $3,332-24.2% |
| Admin fee / account holder | $1,812 | $3,932-53.9% | $8,159-77.8% | $4,645-61.0% |