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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 | $33,930 | $71,208-52.4% | $93,681-63.8% | $80,911-58.1% |
| Participation rate | 66.7% | 60.4%+6.3pp | 68.7%-2.1pp | 67.6%-1.0pp |
| Annual return | 10.71% | 11.27%-0.6pp | 133.47%-122.8pp | 35.63%-24.9pp |
| Employer contribution / active EE | $1,799 | $1,564+15.0% | $2,422-25.7% | $2,756-34.7% |
| Participant deferral / active EE | $4,142 | $4,035+2.7% | $4,415-6.2% | $4,297-3.6% |
| Admin fee / account holder | $2,709 | $6,951-61.0% | $8,290-67.3% | $6,935-60.9% |