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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 | $28,536 | $52,279-45.4% | $89,414-68.1% | $79,852-64.3% |
| Participation rate | 66.7% | 57.5%+9.1pp | 68.0%-1.3pp | 69.6%-3.0pp |
| Annual return | 23.40% | 22.16%+1.2pp | 245.50%-222.1pp | 31.72%-8.3pp |
| Employer contribution / active EE | $1,717 | $1,572+9.2% | $2,586-33.6% | $2,471-30.5% |
| Participant deferral / active EE | $2,588 | $2,740-5.5% | $3,890-33.5% | $3,740-30.8% |
| Admin fee / account holder | $1,788 | $3,356-46.7% | $4,883-63.4% | $5,306-66.3% |