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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 | $48,060 | $60,442-20.5% | $96,754-50.3% | $87,485-45.1% |
| Participation rate | 68.4% | 58.7%+9.7pp | 70.3%-1.9pp | 68.9%-0.5pp |
| Annual return | 14.60% | 21.97%-7.4pp | 82.04%-67.4pp | 26.06%-11.5pp |
| Employer contribution / active EE | $812 | $1,691-51.9% | $2,679-69.7% | $2,596-68.7% |
| Participant deferral / active EE | $2,966 | $3,280-9.6% | $4,758-37.7% | $4,274-30.6% |
| Admin fee / account holder | $3,072 | $5,069-39.4% | $8,905-65.5% | $7,775-60.5% |