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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 | $37,122 | $49,177-24.5% | $79,476-53.3% | $64,181-42.2% |
| Participation rate | 68.4% | 65.0%+3.4pp | 73.3%-4.9pp | 69.6%-1.1pp |
| Annual return | 9.62% | -1.16%+10.8pp | 718.21%-708.6pp | 7.63%+2.0pp |
| Employer contribution / active EE | $1,312 | $2,076-36.8% | $2,800-53.1% | $2,381-44.9% |
| Participant deferral / active EE | $2,874 | $2,821+1.8% | $3,704-22.4% | $3,470-17.2% |
| Admin fee / account holder | $408 | $3,839-89.4% | $5,113-92.0% | $4,887-91.6% |