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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 | $44,229 | $51,222-13.7% | $70,544-37.3% | $75,173-41.2% |
| Participation rate | 60.4% | 61.0%-0.6pp | 68.4%-8.0pp | 67.2%-6.8pp |
| Annual return | 17.29% | 30.06%-12.8pp | 32.79%-15.5pp | 160.72%-143.4pp |
| Employer contribution / active EE | $1,825 | $1,827-0.1% | $2,976-38.7% | $2,671-31.7% |
| Participant deferral / active EE | $3,181 | $2,850+11.6% | $4,568-30.4% | $4,126-22.9% |
| Admin fee / account holder | $348 | $4,096-91.5% | $6,427-94.6% | $5,651-93.8% |