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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 | $38,760 | $68,878-43.7% | $120,574-67.9% | $80,935-52.1% |
| Participation rate | 69.2% | 61.7%+7.6pp | 71.9%-2.7pp | 67.7%+1.6pp |
| Annual return | 15.26% | 23.67%-8.4pp | 107.42%-92.2pp | 35.66%-20.4pp |
| Employer contribution / active EE | $1,502 | $2,065-27.3% | $3,471-56.7% | $2,757-45.5% |
| Participant deferral / active EE | $4,608 | $3,189+44.5% | $4,996-7.8% | $4,299+7.2% |
| Admin fee / account holder | $1,102 | $5,782-80.9% | $9,445-88.3% | $6,924-84.1% |