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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 | $48,374 | $93,055-48.0% | $153,741-68.5% | $80,959-40.2% |
| Participation rate | 69.8% | 69.0%+0.8pp | 77.1%-7.3pp | 67.7%+2.1pp |
| Annual return | 15.35% | 19.97%-4.6pp | 15.71%-0.4pp | 35.67%-20.3pp |
| Employer contribution / active EE | $3,731 | $3,504+6.5% | $5,042-26.0% | $2,757+35.3% |
| Participant deferral / active EE | $5,357 | $5,172+3.6% | $6,757-20.7% | $4,300+24.6% |
| Admin fee / account holder | $629 | $8,881-92.9% | $12,749-95.1% | $6,925-90.9% |