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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 | $44,829 | $81,358-44.9% | $155,556-71.2% | $80,959-44.6% |
| Participation rate | 62.5% | 66.3%-3.8pp | 78.2%-15.7pp | 67.7%-5.2pp |
| Annual return | 17.75% | 33.39%-15.6pp | 64.84%-47.1pp | 35.67%-17.9pp |
| Employer contribution / active EE | $1,873 | $3,106-39.7% | $4,675-59.9% | $2,757-32.1% |
| Participant deferral / active EE | $3,115 | $3,455-9.8% | $5,631-44.7% | $4,300-27.6% |
| Admin fee / account holder | $689 | $7,994-91.4% | $15,885-95.7% | $6,925-90.0% |