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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 | $32,868 | $101,778-67.7% | $164,975-80.1% | $80,925-59.4% |
| Participation rate | 68.0% | 71.8%-3.8pp | 78.6%-10.6pp | 67.7%+0.3pp |
| Annual return | 14.35% | 16.73%-2.4pp | 70.12%-55.8pp | 35.65%-21.3pp |
| Employer contribution / active EE | $1,669 | $2,954-43.5% | $4,343-61.6% | $2,756-39.4% |
| Participant deferral / active EE | $2,661 | $4,477-40.6% | $6,033-55.9% | $4,299-38.1% |
| Admin fee / account holder | $2,098 | $8,221-74.5% | $12,688-83.5% | $6,940-69.8% |