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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 | $58,057-17.2% | $97,032-50.5% | $86,983-44.7% |
| Participation rate | 68.4% | 60.4%+8.1pp | 71.6%-3.1pp | 69.5%-1.1pp |
| Annual return | 14.60% | 22.26%-7.7pp | 35.38%-20.8pp | 25.83%-11.2pp |
| Employer contribution / active EE | $812 | $1,663-51.2% | $2,629-69.1% | $2,584-68.6% |
| Participant deferral / active EE | $2,966 | $3,244-8.6% | $4,672-36.5% | $4,194-29.3% |
| Admin fee / account holder | $3,072 | $4,839-36.5% | $9,418-67.4% | $7,856-60.9% |