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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 | $48,693 | $52,279-6.9% | $89,435-45.6% | $79,856-39.0% |
| Participation rate | 60.0% | 57.5%+2.5pp | 68.0%-8.0pp | 69.6%-9.6pp |
| Annual return | 18.66% | 22.16%-3.5pp | 245.55%-226.9pp | 31.71%-13.1pp |
| Employer contribution / active EE | $914 | $1,572-41.8% | $2,587-64.7% | $2,471-63.0% |
| Participant deferral / active EE | $3,223 | $2,740+17.6% | $3,890-17.1% | $3,741-13.8% |
| Admin fee / account holder | $1,200 | $3,356-64.2% | $4,884-75.4% | $5,306-77.4% |