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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 | $27,259 | $77,920-65.0% | $149,723-81.8% | $75,177-63.7% |
| Participation rate | 63.6% | 65.6%-1.9pp | 78.8%-15.1pp | 67.2%-3.6pp |
| Annual return | 21.38% | 31.72%-10.3pp | 134.50%-113.1pp | 160.75%-139.4pp |
| Employer contribution / active EE | $1,526 | $3,138-51.4% | $4,821-68.4% | $2,671-42.9% |
| Participant deferral / active EE | $4,017 | $3,411+17.7% | $5,682-29.3% | $4,126-2.7% |
| Admin fee / account holder | $5,859 | $5,951-1.5% | $13,215-55.7% | $5,651+3.7% |