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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 | $79,894-46.8% | $135,792-68.7% | $82,637-48.5% |
| Participation rate | 66.7% | 63.0%+3.7pp | 72.6%-5.9pp | 68.1%-1.4pp |
| Annual return | 16.00% | 17.20%-1.2pp | 25.96%-10.0pp | 53.51%-37.5pp |
| Employer contribution / active EE | $3,836 | $2,165+77.2% | $3,496+9.7% | $2,552+50.3% |
| Participant deferral / active EE | $2,260 | $3,194-29.3% | $4,759-52.5% | $4,126-45.2% |
| Admin fee / account holder | $969 | $6,434-84.9% | $12,266-92.1% | $7,339-86.8% |