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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 | $44,389 | $76,551-42.0% | $123,894-64.2% | $62,881-29.4% |
| Participation rate | 66.2% | 73.0%-6.8pp | 81.4%-15.2pp | 69.3%-3.1pp |
| Annual return | 8.66% | 18.68%-10.0pp | 47.52%-38.9pp | 20.14%-11.5pp |
| Employer contribution / active EE | $985 | $2,882-65.8% | $4,617-78.7% | $2,281-56.8% |
| Participant deferral / active EE | $5,600 | $4,840+15.7% | $5,984-6.4% | $3,203+74.8% |
| Admin fee / account holder | $9,800 | $4,826+103.1% | $8,357+17.3% | $4,296+128.1% |