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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 | $46,974 | $57,119-17.8% | $85,187-44.9% | $80,935-42.0% |
| Participation rate | 59.2% | 56.4%+2.8pp | 67.5%-8.3pp | 67.7%-8.5pp |
| Annual return | 13.44% | 21.70%-8.3pp | 66.67%-53.2pp | 35.66%-22.2pp |
| Employer contribution / active EE | $2,263 | $1,802+25.6% | $2,732-17.2% | $2,757-17.9% |
| Participant deferral / active EE | $4,399 | $3,115+41.2% | $4,525-2.8% | $4,299+2.3% |
| Admin fee / account holder | $1,612 | $4,990-67.7% | $6,162-73.8% | $6,924-76.7% |