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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 | $46,044 | $81,276-43.3% | $155,574-70.4% | $80,925-43.1% |
| Participation rate | 69.0% | 66.2%+2.7pp | 78.2%-9.2pp | 67.7%+1.3pp |
| Annual return | 10.76% | 33.36%-22.6pp | 64.87%-54.1pp | 35.65%-24.9pp |
| Employer contribution / active EE | $2,302 | $3,103-25.8% | $4,676-50.8% | $2,756-16.5% |
| Participant deferral / active EE | $3,966 | $3,453+14.9% | $5,629-29.5% | $4,299-7.7% |
| Admin fee / account holder | $2,357 | $7,993-70.5% | $15,914-85.2% | $6,940-66.0% |