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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 | $34,783 | $56,544-38.5% | $75,501-53.9% | $70,126-50.4% |
| Participation rate | 50.0% | 68.1%-18.1pp | 72.4%-22.4pp | 69.5%-19.5pp |
| Annual return | 26.46% | 23.59%+2.9pp | 27.35%-0.9pp | 73.15%-46.7pp |
| Employer contribution / active EE | $1,391 | $1,817-23.4% | $2,352-40.9% | $2,343-40.6% |
| Participant deferral / active EE | $2,872 | $2,580+11.3% | $3,142-8.6% | $3,332-13.8% |
| Admin fee / account holder | $5,634 | $3,827+47.2% | $5,801-2.9% | $4,645+21.3% |