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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 | $48,964 | $37,446+30.8% | $77,513-36.8% | $79,852-38.7% |
| Participation rate | 23.9% | 41.5%-17.6pp | 54.2%-30.3pp | 69.6%-45.8pp |
| Annual return | 22.56% | 39.76%-17.2pp | 54.81%-32.2pp | 31.72%-9.2pp |
| Employer contribution / active EE | $735 | $637+15.3% | $987-25.5% | $2,471-70.3% |
| Participant deferral / active EE | $771 | $1,261-38.8% | $1,861-58.6% | $3,740-79.4% |
| Admin fee / account holder | $2,410 | $2,506-3.8% | $2,859-15.7% | $5,306-54.6% |