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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 | $48,706 | $57,061-14.6% | $85,063-42.7% | $80,911-39.8% |
| Participation rate | 57.1% | 56.3%+0.8pp | 67.5%-10.4pp | 67.6%-10.5pp |
| Annual return | 12.09% | 21.66%-9.6pp | 66.54%-54.5pp | 35.63%-23.5pp |
| Employer contribution / active EE | $1,757 | $1,799-2.3% | $2,727-35.6% | $2,756-36.3% |
| Participant deferral / active EE | $3,395 | $3,110+9.2% | $4,523-24.9% | $4,297-21.0% |
| Admin fee / account holder | $1,263 | $4,986-74.7% | $6,155-79.5% | $6,935-81.8% |