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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 | $52,007 | $68,880-24.5% | $120,580-56.9% | $80,959-35.8% |
| Participation rate | 69.4% | 61.7%+7.7pp | 72.0%-2.6pp | 67.7%+1.7pp |
| Annual return | 11.96% | 23.68%-11.7pp | 107.48%-95.5pp | 35.67%-23.7pp |
| Employer contribution / active EE | $791 | $2,066-61.7% | $3,469-77.2% | $2,757-71.3% |
| Participant deferral / active EE | $3,845 | $3,191+20.5% | $4,995-23.0% | $4,300-10.6% |
| Admin fee / account holder | $3,451 | $5,785-40.3% | $9,418-63.4% | $6,925-50.2% |