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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 | $40,397 | $78,690-48.7% | $161,489-75.0% | $87,485-53.8% |
| Participation rate | 69.7% | 67.5%+2.2pp | 78.7%-9.0pp | 68.9%+0.8pp |
| Annual return | 21.75% | 32.74%-11.0pp | 89.72%-68.0pp | 26.06%-4.3pp |
| Employer contribution / active EE | $2,166 | $2,588-16.3% | $4,268-49.2% | $2,596-16.6% |
| Participant deferral / active EE | $4,884 | $3,311+47.5% | $5,630-13.2% | $4,274+14.3% |
| Admin fee / account holder | $770 | $6,724-88.5% | $16,006-95.2% | $7,775-90.1% |