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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 | $39,663 | $45,343-12.5% | $150,298-73.6% | $67,986-41.7% |
| Participation rate | 54.4% | 51.9%+2.5pp | 77.8%-23.4pp | 57.2%-2.8pp |
| Annual return | 17.46% | 33.28%-15.8pp | 62.79%-45.3pp | 31.67%-14.2pp |
| Employer contribution / active EE | $1,116 | $1,462-23.7% | $4,154-73.1% | $2,019-44.7% |
| Participant deferral / active EE | $1,828 | $2,055-11.0% | $5,453-66.5% | $3,358-45.6% |
| Admin fee / account holder | $2,823 | $2,250+25.5% | $14,116-80.0% | $3,203-11.9% |