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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 | $33,426 | $47,848-30.1% | $81,473-59.0% | $70,126-52.3% |
| Participation rate | 64.2% | 58.3%+5.9pp | 68.0%-3.8pp | 69.5%-5.4pp |
| Annual return | 15.36% | 27.25%-11.9pp | 38.78%-23.4pp | 73.15%-57.8pp |
| Employer contribution / active EE | $1,169 | $1,527-23.5% | $2,568-54.5% | $2,343-50.1% |
| Participant deferral / active EE | $2,087 | $2,453-14.9% | $3,537-41.0% | $3,332-37.4% |
| Admin fee / account holder | $917 | $3,145-70.8% | $4,561-79.9% | $4,645-80.3% |