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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 | $32,668 | $67,602-51.7% | $82,312-60.3% | $70,126-53.4% |
| Participation rate | 67.6% | 72.8%-5.2pp | 76.9%-9.3pp | 69.5%-1.9pp |
| Annual return | 25.82% | 21.57%+4.3pp | 25.88%-0.1pp | 73.15%-47.3pp |
| Employer contribution / active EE | $424 | $1,755-75.8% | $2,428-82.5% | $2,343-81.9% |
| Participant deferral / active EE | $3,365 | $2,987+12.6% | $3,706-9.2% | $3,332+1.0% |
| Admin fee / account holder | $2,771 | $4,512-38.6% | $5,608-50.6% | $4,645-40.4% |