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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 | $30,797 | $51,638-40.4% | $68,368-55.0% | $82,448-62.6% |
| Participation rate | 69.2% | 63.6%+5.6pp | 73.8%-4.5pp | 68.1%+1.2pp |
| Annual return | 18.80% | 37.53%-18.7pp | 292.57%-273.8pp | 41.64%-22.8pp |
| Employer contribution / active EE | $1,953 | $2,047-4.6% | $2,649-26.3% | $2,551-23.5% |
| Participant deferral / active EE | $4,070 | $2,914+39.7% | $4,123-1.3% | $4,139-1.7% |
| Admin fee / account holder | $9,261 | $4,643+99.4% | $5,150+79.8% | $7,234+28.0% |