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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 | $31,345 | $71,215-56.0% | $93,696-66.5% | $80,935-61.3% |
| Participation rate | 57.9% | 60.4%-2.5pp | 68.7%-10.8pp | 67.7%-9.8pp |
| Annual return | 17.14% | 11.27%+5.9pp | 133.74%-116.6pp | 35.66%-18.5pp |
| Employer contribution / active EE | $1,627 | $1,565+4.0% | $2,422-32.8% | $2,757-41.0% |
| Participant deferral / active EE | $4,241 | $4,037+5.1% | $4,417-4.0% | $4,299-1.4% |
| Admin fee / account holder | $2,441 | $6,958-64.9% | $8,287-70.5% | $6,924-64.8% |