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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 | $49,089 | $58,493-16.1% | $84,021-41.6% | $72,975-32.7% |
| Participation rate | 63.6% | 61.2%+2.4pp | 69.0%-5.4pp | 69.5%-5.9pp |
| Annual return | 20.38% | 28.93%-8.6pp | 71.32%-50.9pp | 81.01%-60.6pp |
| Employer contribution / active EE | $479 | $1,163-58.8% | $1,984-75.8% | $2,440-80.4% |
| Participant deferral / active EE | $1,385 | $2,394-42.2% | $3,239-57.3% | $3,608-61.6% |
| Admin fee / account holder | $2,522 | $4,569-44.8% | $6,102-58.7% | $5,124-50.8% |