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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 | $32,982 | $72,269-54.4% | $101,271-67.4% | $79,852-58.7% |
| Participation rate | 69.4% | 68.5%+1.0pp | 75.8%-6.4pp | 69.6%-0.2pp |
| Annual return | 11.77% | 22.29%-10.5pp | 46.48%-34.7pp | 31.72%-20.0pp |
| Employer contribution / active EE | $1,705 | $2,692-36.7% | $3,660-53.4% | $2,471-31.0% |
| Participant deferral / active EE | $3,109 | $3,282-5.2% | $4,371-28.9% | $3,740-16.9% |
| Admin fee / account holder | $20,020 | $4,401+354.9% | $5,948+236.6% | $5,306+277.3% |