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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 | $39,098 | $95,762-59.2% | $379,746-89.7% | $79,852-51.0% |
| Participation rate | 67.2% | 74.0%-6.8pp | 78.4%-11.2pp | 69.6%-2.5pp |
| Annual return | 14.95% | 18.26%-3.3pp | 34.90%-20.0pp | 31.72%-16.8pp |
| Employer contribution / active EE | $2,142 | $2,695-20.5% | $3,540-39.5% | $2,471-13.3% |
| Participant deferral / active EE | $3,696 | $4,705-21.5% | $6,024-38.7% | $3,740-1.2% |
| Admin fee / account holder | $3,369 | $6,745-50.1% | $7,927-57.5% | $5,306-36.5% |