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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 | $26,602 | $89,367-70.2% | $141,191-81.2% | $72,975-63.5% |
| Participation rate | 36.7% | 75.1%-38.4pp | 82.5%-45.7pp | 69.5%-32.8pp |
| Annual return | 23.20% | 111.87%-88.7pp | 71.41%-48.2pp | 81.01%-57.8pp |
| Employer contribution / active EE | $2,460 | $3,115-21.0% | $4,736-48.1% | $2,440+0.8% |
| Participant deferral / active EE | $3,939 | $5,419-27.3% | $6,710-41.3% | $3,608+9.2% |
| Admin fee / account holder | $651 | $5,957-89.1% | $10,264-93.7% | $5,124-87.3% |