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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 | $40,382 | $57,541-29.8% | $95,759-57.8% | $75,177-46.3% |
| Participation rate | 65.6% | 62.5%+3.1pp | 72.3%-6.6pp | 67.2%-1.6pp |
| Annual return | 14.97% | 34.93%-20.0pp | 28.42%-13.4pp | 160.75%-145.8pp |
| Employer contribution / active EE | $1,529 | $1,808-15.4% | $2,836-46.1% | $2,671-42.8% |
| Participant deferral / active EE | $3,564 | $3,074+15.9% | $4,244-16.0% | $4,126-13.6% |
| Admin fee / account holder | $8,339 | $4,099+103.5% | $5,678+46.9% | $5,651+47.6% |