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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 | $36,347 | $76,834-52.7% | $108,359-66.5% | $87,485-58.5% |
| Participation rate | 62.5% | 61.7%+0.8pp | 70.1%-7.6pp | 68.9%-6.4pp |
| Annual return | 16.48% | 19.09%-2.6pp | 36.89%-20.4pp | 26.06%-9.6pp |
| Employer contribution / active EE | $455 | $1,556-70.8% | $2,399-81.0% | $2,596-82.5% |
| Participant deferral / active EE | $3,601 | $3,100+16.2% | $4,137-13.0% | $4,274-15.7% |
| Admin fee / account holder | $2,360 | $6,537-63.9% | $9,741-75.8% | $7,775-69.6% |