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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 | $40,910 | $48,364-15.4% | $71,796-43.0% | $62,881-34.9% |
| Participation rate | 62.2% | 60.6%+1.5pp | 69.1%-7.0pp | 69.3%-7.1pp |
| Annual return | 7.31% | 13.16%-5.8pp | 78.04%-70.7pp | 20.14%-12.8pp |
| Employer contribution / active EE | $1,159 | $1,042+11.2% | $1,924-39.8% | $2,281-49.2% |
| Participant deferral / active EE | $1,798 | $2,091-14.0% | $2,794-35.6% | $3,203-43.9% |
| Admin fee / account holder | $3,433 | $3,771-9.0% | $4,815-28.7% | $4,296-20.1% |