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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 | $20,308 | $46,697-56.5% | $117,533-82.7% | $68,486-70.3% |
| Participation rate | 64.5% | 56.8%+7.7pp | 70.6%-6.1pp | 67.9%-3.4pp |
| Annual return | 3.08% | -14.52%+17.6pp | 29.77%-26.7pp | -7.85%+10.9pp |
| Employer contribution / active EE | $1,345 | $1,506-10.7% | $4,179-67.8% | $2,597-48.2% |
| Participant deferral / active EE | $6,627 | $2,637+151.3% | $4,072+62.7% | $4,028+64.6% |
| Admin fee / account holder | $612 | $4,023-84.8% | $5,647-89.2% | $5,404-88.7% |