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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 | $35,874 | $93,589-61.7% | $135,942-73.6% | $75,181-52.3% |
| Participation rate | 67.6% | 75.2%-7.5pp | 81.9%-14.3pp | 67.2%+0.4pp |
| Annual return | 16.43% | 30.90%-14.5pp | 68.28%-51.8pp | 160.69%-144.3pp |
| Employer contribution / active EE | $3,053 | $3,537-13.7% | $4,858-37.2% | $2,671+14.3% |
| Participant deferral / active EE | $4,708 | $6,405-26.5% | $7,759-39.3% | $4,126+14.1% |
| Admin fee / account holder | $2,908 | $6,977-58.3% | $10,764-73.0% | $5,650-48.5% |