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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 | $31,831 | $78,690-59.5% | $161,489-80.3% | $87,485-63.6% |
| Participation rate | 69.2% | 67.5%+1.8pp | 78.7%-9.5pp | 68.9%+0.3pp |
| Annual return | 18.30% | 32.74%-14.4pp | 89.72%-71.4pp | 26.06%-7.8pp |
| Employer contribution / active EE | $862 | $2,588-66.7% | $4,268-79.8% | $2,596-66.8% |
| Participant deferral / active EE | $6,514 | $3,311+96.8% | $5,630+15.7% | $4,274+52.4% |
| Admin fee / account holder | $3,642 | $6,724-45.8% | $16,006-77.2% | $7,775-53.2% |