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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 | $41,337 | $81,262-49.1% | $155,602-73.4% | $80,911-48.9% |
| Participation rate | 69.4% | 66.2%+3.1pp | 78.2%-8.8pp | 67.6%+1.7pp |
| Annual return | 11.80% | 33.34%-21.5pp | 64.81%-53.0pp | 35.63%-23.8pp |
| Employer contribution / active EE | $1,195 | $3,102-61.5% | $4,675-74.4% | $2,756-56.6% |
| Participant deferral / active EE | $3,761 | $3,451+9.0% | $5,629-33.2% | $4,297-12.5% |
| Admin fee / account holder | $4,939 | $7,992-38.2% | $15,923-69.0% | $6,935-28.8% |