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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 | $35,797 | $69,977-48.8% | $108,582-67.0% | $62,881-43.1% |
| Participation rate | 58.1% | 72.9%-14.8pp | 79.6%-21.4pp | 69.3%-11.2pp |
| Annual return | 11.28% | 10.73%+0.6pp | -51.70%+63.0pp | 20.14%-8.9pp |
| Employer contribution / active EE | $1,816 | $2,135-14.9% | $3,758-51.7% | $2,281-20.4% |
| Participant deferral / active EE | $3,026 | $3,165-4.4% | $4,311-29.8% | $3,203-5.5% |
| Admin fee / account holder | $3,322 | $5,076-34.6% | $7,645-56.5% | $4,296-22.7% |