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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 | $50,037 | $57,108-12.4% | $94,229-46.9% | $52,331-4.4% |
| Participation rate | 68.8% | 72.9%-4.1pp | 78.8%-10.0pp | 68.1%+0.7pp |
| Annual return | 3.30% | 1.47%+1.8pp | 10.68%-7.4pp | 4.54%-1.2pp |
| Employer contribution / active EE | $2,148 | $1,735+23.8% | $3,587-40.1% | $1,882+14.1% |
| Participant deferral / active EE | $3,624 | $3,040+19.2% | $4,320-16.1% | $3,022+19.9% |
| Admin fee / account holder | $1,615 | $546+195.5% | $6,269-74.2% | $592+173.0% |