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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 | $42,127 | $71,215-40.8% | $93,696-55.0% | $80,935-48.0% |
| Participation rate | 66.0% | 60.4%+5.6pp | 68.7%-2.7pp | 67.7%-1.7pp |
| Annual return | 13.81% | 11.27%+2.5pp | 133.74%-119.9pp | 35.66%-21.9pp |
| Employer contribution / active EE | $1,768 | $1,565+13.0% | $2,422-27.0% | $2,757-35.9% |
| Participant deferral / active EE | $2,492 | $4,037-38.3% | $4,417-43.6% | $4,299-42.0% |
| Admin fee / account holder | $2,504 | $6,958-64.0% | $8,287-69.8% | $6,924-63.8% |