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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 | $47,930 | $78,190-38.7% | $149,600-68.0% | $64,097-25.2% |
| Participation rate | 60.8% | 58.6%+2.1pp | 77.2%-16.4pp | 55.2%+5.6pp |
| Annual return | 22.51% | 34.34%-11.8pp | 129.59%-107.1pp | 34.64%-12.1pp |
| Employer contribution / active EE | $1,872 | $1,942-3.6% | $4,193-55.4% | $1,891-1.0% |
| Participant deferral / active EE | $3,515 | $3,703-5.1% | $7,203-51.2% | $3,080+14.1% |
| Admin fee / account holder | $1,665 | $3,683-54.8% | $13,963-88.1% | $3,454-51.8% |