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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 | $33,035 | $51,207-35.5% | $70,565-53.2% | $75,177-56.1% |
| Participation rate | 63.8% | 61.0%+2.8pp | 68.4%-4.6pp | 67.2%-3.4pp |
| Annual return | 22.50% | 30.05%-7.5pp | 32.79%-10.3pp | 160.75%-138.2pp |
| Employer contribution / active EE | $1,573 | $1,826-13.9% | $2,976-47.2% | $2,671-41.1% |
| Participant deferral / active EE | $3,497 | $2,850+22.7% | $4,568-23.4% | $4,126-15.2% |
| Admin fee / account holder | $1,048 | $4,097-74.4% | $6,430-83.7% | $5,651-81.5% |