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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 | $49,163 | $48,364+1.7% | $71,796-31.5% | $62,881-21.8% |
| Participation rate | 62.9% | 60.6%+2.2pp | 69.1%-6.3pp | 69.3%-6.4pp |
| Annual return | 8.86% | 13.16%-4.3pp | 78.04%-69.2pp | 20.14%-11.3pp |
| Employer contribution / active EE | $479 | $1,042-54.0% | $1,924-75.1% | $2,281-79.0% |
| Participant deferral / active EE | $1,005 | $2,091-51.9% | $2,794-64.0% | $3,203-68.6% |
| Admin fee / account holder | $713 | $3,771-81.1% | $4,815-85.2% | $4,296-83.4% |