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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 | $52,192 | $62,672-16.7% | $185,117-71.8% | $70,126-25.6% |
| Participation rate | 56.8% | 63.8%-7.0pp | 77.3%-20.5pp | 69.5%-12.8pp |
| Annual return | 20.04% | 40.79%-20.7pp | 40.50%-20.5pp | 73.15%-53.1pp |
| Employer contribution / active EE | $838 | $1,753-52.2% | $4,182-80.0% | $2,343-64.2% |
| Participant deferral / active EE | $1,807 | $3,272-44.8% | $5,045-64.2% | $3,332-45.8% |
| Admin fee / account holder | $4,200 | $3,932+6.8% | $8,159-48.5% | $4,645-9.6% |