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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 | $31,880 | $56,894-44.0% | $84,753-62.4% | $62,881-49.3% |
| Participation rate | 58.8% | 68.5%-9.7pp | 76.6%-17.8pp | 69.3%-10.5pp |
| Annual return | 7.40% | 6.30%+1.1pp | 22.78%-15.4pp | 20.14%-12.7pp |
| Employer contribution / active EE | $1,284 | $2,400-46.5% | $3,574-64.1% | $2,281-43.7% |
| Participant deferral / active EE | $3,438 | $2,709+26.9% | $3,712-7.4% | $3,203+7.3% |
| Admin fee / account holder | $494 | $3,581-86.2% | $5,333-90.7% | $4,296-88.5% |