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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 | $41,669 | $52,836-21.1% | $105,738-60.6% | $64,173-35.1% |
| Participation rate | 69.8% | 66.5%+3.3pp | 76.3%-6.5pp | 69.6%+0.2pp |
| Annual return | -7.02% | 14.30%-21.3pp | 6.27%-13.3pp | 7.63%-14.6pp |
| Employer contribution / active EE | $1,318 | $1,827-27.8% | $3,268-59.7% | $2,381-44.6% |
| Participant deferral / active EE | $2,620 | $2,545+2.9% | $4,080-35.8% | $3,470-24.5% |
| Admin fee / account holder | $4,978 | $3,959+25.8% | $6,913-28.0% | $4,887+1.9% |