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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 | $44,863 | $56,544-20.7% | $75,501-40.6% | $70,126-36.0% |
| Participation rate | 66.2% | 68.1%-1.9pp | 72.4%-6.1pp | 69.5%-3.3pp |
| Annual return | 30.08% | 23.59%+6.5pp | 27.35%+2.7pp | 73.15%-43.1pp |
| Employer contribution / active EE | $587 | $1,817-67.7% | $2,352-75.0% | $2,343-74.9% |
| Participant deferral / active EE | $1,722 | $2,580-33.3% | $3,142-45.2% | $3,332-48.3% |
| Admin fee / account holder | $535 | $3,827-86.0% | $5,801-90.8% | $4,645-88.5% |