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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 | $33,324 | $58,828-43.4% | $78,002-57.3% | $62,881-47.0% |
| Participation rate | 69.7% | 71.1%-1.4pp | 75.5%-5.8pp | 69.3%+0.4pp |
| Annual return | 7.83% | 17.16%-9.3pp | 425.99%-418.2pp | 20.14%-12.3pp |
| Employer contribution / active EE | $1,802 | $1,672+7.8% | $2,470-27.0% | $2,281-21.0% |
| Participant deferral / active EE | $4,098 | $2,686+52.6% | $3,497+17.2% | $3,203+28.0% |
| Admin fee / account holder | $5,609 | $4,393+27.7% | $5,481+2.3% | $4,296+30.6% |