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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 | $48,067 | $64,890-25.9% | $134,172-64.2% | $67,986-29.3% |
| Participation rate | 63.4% | 48.5%+14.8pp | 72.5%-9.1pp | 57.2%+6.2pp |
| Annual return | 15.57% | 16.12%-0.6pp | 25.30%-9.7pp | 31.67%-16.1pp |
| Employer contribution / active EE | $286 | $1,360-79.0% | $3,420-91.6% | $2,019-85.9% |
| Participant deferral / active EE | $1,746 | $2,289-23.7% | $4,690-62.8% | $3,358-48.0% |
| Admin fee / account holder | $4,195 | $3,140+33.6% | $12,016-65.1% | $3,203+31.0% |