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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 | $55,807 | $81,276-31.3% | $155,574-64.1% | $80,925-31.0% |
| Participation rate | 68.4% | 66.2%+2.2pp | 78.2%-9.8pp | 67.7%+0.8pp |
| Annual return | 13.14% | 33.36%-20.2pp | 64.87%-51.7pp | 35.65%-22.5pp |
| Employer contribution / active EE | $986 | $3,103-68.2% | $4,676-78.9% | $2,756-64.2% |
| Participant deferral / active EE | $3,234 | $3,453-6.3% | $5,629-42.5% | $4,299-24.8% |
| Admin fee / account holder | $1,324 | $7,993-83.4% | $15,914-91.7% | $6,940-80.9% |