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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 | $31,087 | $88,672-64.9% | $105,223-70.5% | $82,448-62.3% |
| Participation rate | 68.0% | 67.9%+0.1pp | 75.0%-7.0pp | 68.1%-0.1pp |
| Annual return | 16.82% | 30.86%-14.0pp | 180.65%-163.8pp | 41.64%-24.8pp |
| Employer contribution / active EE | $1,379 | $3,048-54.8% | $3,689-62.6% | $2,551-45.9% |
| Participant deferral / active EE | $3,572 | $4,036-11.5% | $5,072-29.6% | $4,139-13.7% |
| Admin fee / account holder | $724 | $7,146-89.9% | $8,859-91.8% | $7,234-90.0% |