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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 | $58,824 | $57,061+3.1% | $85,063-30.8% | $80,911-27.3% |
| Participation rate | 33.3% | 56.3%-23.0pp | 67.5%-34.2pp | 67.6%-34.3pp |
| Annual return | 11.76% | 21.66%-9.9pp | 66.54%-54.8pp | 35.63%-23.9pp |
| Employer contribution / active EE | $1,817 | $1,799+1.0% | $2,727-33.4% | $2,756-34.1% |
| Participant deferral / active EE | $2,900 | $3,110-6.8% | $4,523-35.9% | $4,297-32.5% |
| Admin fee / account holder | $5,307 | $4,986+6.4% | $6,155-13.8% | $6,935-23.5% |