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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 | $38,087 | $77,472-50.8% | $100,415-62.1% | $80,959-53.0% |
| Participation rate | 67.9% | 76.9%-9.1pp | 81.5%-13.7pp | 67.7%+0.2pp |
| Annual return | 13.01% | 37.26%-24.2pp | 49.47%-36.5pp | 35.67%-22.7pp |
| Employer contribution / active EE | $2,876 | $2,800+2.7% | $3,943-27.1% | $2,757+4.3% |
| Participant deferral / active EE | $3,807 | $6,818-44.2% | $8,091-52.9% | $4,300-11.5% |
| Admin fee / account holder | $3,382 | $5,885-42.5% | $7,906-57.2% | $6,925-51.2% |