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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 | $33,604 | $88,360-62.0% | $145,433-76.9% | $67,986-50.6% |
| Participation rate | 66.0% | 65.5%+0.5pp | 82.1%-16.1pp | 57.2%+8.8pp |
| Annual return | 14.76% | 63.15%-48.4pp | 66.58%-51.8pp | 31.67%-16.9pp |
| Employer contribution / active EE | $1,496 | $3,054-51.0% | $4,554-67.2% | $2,019-25.9% |
| Participant deferral / active EE | $5,251 | $5,932-11.5% | $7,897-33.5% | $3,358+56.4% |
| Admin fee / account holder | $8,306 | $3,313+150.7% | $13,129-36.7% | $3,203+159.3% |