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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 | $36,677 | $81,457-55.0% | $103,378-64.5% | $80,911-54.7% |
| Participation rate | 60.0% | 66.8%-6.8pp | 74.5%-14.5pp | 67.6%-7.6pp |
| Annual return | 15.06% | 25.58%-10.5pp | 24.91%-9.9pp | 35.63%-20.6pp |
| Employer contribution / active EE | $2,629 | $3,107-15.4% | $3,870-32.1% | $2,756-4.6% |
| Participant deferral / active EE | $6,419 | $3,871+65.8% | $5,058+26.9% | $4,297+49.4% |
| Admin fee / account holder | $547 | $6,717-91.9% | $8,401-93.5% | $6,935-92.1% |