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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 | $42,517 | $77,896-45.4% | $134,172-68.3% | $82,448-48.4% |
| Participation rate | 66.7% | 62.8%+3.9pp | 72.5%-5.8pp | 68.1%-1.4pp |
| Annual return | 16.00% | 18.21%-2.2pp | 25.30%-9.3pp | 41.64%-25.6pp |
| Employer contribution / active EE | $3,836 | $2,159+77.7% | $3,420+12.2% | $2,551+50.4% |
| Participant deferral / active EE | $2,260 | $3,162-28.5% | $4,690-51.8% | $4,139-45.4% |
| Admin fee / account holder | $969 | $6,336-84.7% | $12,016-91.9% | $7,234-86.6% |