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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 | $40,886 | $57,057-28.3% | $85,009-51.9% | $80,874-49.4% |
| Participation rate | 66.0% | 56.4%+9.6pp | 67.5%-1.5pp | 67.6%-1.6pp |
| Annual return | 13.57% | 21.66%-8.1pp | 66.47%-52.9pp | 35.62%-22.0pp |
| Employer contribution / active EE | $1,376 | $1,799-23.5% | $2,728-49.6% | $2,756-50.1% |
| Participant deferral / active EE | $2,697 | $3,112-13.3% | $4,522-40.3% | $4,297-37.2% |
| Admin fee / account holder | $13,339 | $4,986+167.5% | $6,153+116.8% | $6,935+92.3% |