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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 | $32,025 | $52,380-38.9% | $98,775-67.6% | $85,847-62.7% |
| Participation rate | 62.0% | 58.0%+4.0pp | 65.7%-3.7pp | 69.3%-7.3pp |
| Annual return | 12.70% | 25.82%-13.1pp | 49.92%-37.2pp | 318.61%-305.9pp |
| Employer contribution / active EE | $1,269 | $1,337-5.2% | $2,067-38.6% | $2,565-50.6% |
| Participant deferral / active EE | $2,329 | $2,101+10.8% | $3,035-23.3% | $3,952-41.1% |
| Admin fee / account holder | $5,010 | $3,865+29.7% | $4,076+22.9% | $6,261-20.0% |