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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 | $42,892 | $64,890-33.9% | $134,172-68.0% | $67,986-36.9% |
| Participation rate | 51.0% | 48.5%+2.5pp | 72.5%-21.5pp | 57.2%-6.2pp |
| Annual return | 16.82% | 16.12%+0.7pp | 25.30%-8.5pp | 31.67%-14.8pp |
| Employer contribution / active EE | $1,113 | $1,360-18.1% | $3,420-67.4% | $2,019-44.9% |
| Participant deferral / active EE | $2,949 | $2,289+28.8% | $4,690-37.1% | $3,358-12.2% |
| Admin fee / account holder | $1,666 | $3,140-47.0% | $12,016-86.1% | $3,203-48.0% |