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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 | $52,332 | $58,493-10.5% | $84,023-37.7% | $72,976-28.3% |
| Participation rate | 60.2% | 61.2%-1.0pp | 69.0%-8.8pp | 69.5%-9.3pp |
| Annual return | 21.22% | 28.93%-7.7pp | 71.32%-50.1pp | 81.02%-59.8pp |
| Employer contribution / active EE | $471 | $1,163-59.5% | $1,984-76.3% | $2,440-80.7% |
| Participant deferral / active EE | $2,791 | $2,394+16.6% | $3,239-13.8% | $3,608-22.6% |
| Admin fee / account holder | $1,426 | $4,569-68.8% | $6,102-76.6% | $5,124-72.2% |