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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 | $62,048 | $81,331-23.7% | $155,534-60.1% | $80,935-23.3% |
| Participation rate | 68.4% | 66.3%+2.2pp | 78.2%-9.8pp | 67.7%+0.8pp |
| Annual return | 13.86% | 33.37%-19.5pp | 64.92%-51.1pp | 35.66%-21.8pp |
| Employer contribution / active EE | $1,333 | $3,105-57.1% | $4,675-71.5% | $2,757-51.7% |
| Participant deferral / active EE | $5,768 | $3,454+67.0% | $5,630+2.4% | $4,299+34.2% |
| Admin fee / account holder | $1,102 | $7,999-86.2% | $15,900-93.1% | $6,924-84.1% |