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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 | $35,357 | $56,063-36.9% | $76,051-53.5% | $80,911-56.3% |
| Participation rate | 62.5% | 62.0%+0.5pp | 69.1%-6.6pp | 67.6%-5.1pp |
| Annual return | 12.21% | 20.54%-8.3pp | 360.42%-348.2pp | 35.63%-23.4pp |
| Employer contribution / active EE | $1,321 | $1,874-29.5% | $2,690-50.9% | $2,756-52.1% |
| Participant deferral / active EE | $2,367 | $3,052-22.5% | $4,257-44.4% | $4,297-44.9% |
| Admin fee / account holder | $5,741 | $5,240+9.6% | $6,416-10.5% | $6,935-17.2% |