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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 | $37,489 | $93,617-60.0% | $135,982-72.4% | $75,177-50.1% |
| Participation rate | 69.2% | 75.2%-6.0pp | 81.9%-12.7pp | 67.2%+2.0pp |
| Annual return | 22.98% | 30.89%-7.9pp | 68.32%-45.3pp | 160.75%-137.8pp |
| Employer contribution / active EE | $2,431 | $3,538-31.3% | $4,859-50.0% | $2,671-9.0% |
| Participant deferral / active EE | $5,369 | $6,406-16.2% | $7,760-30.8% | $4,126+30.1% |
| Admin fee / account holder | $6,834 | $6,980-2.1% | $10,767-36.5% | $5,651+20.9% |