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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 | $36,534 | $81,457-55.1% | $103,378-64.7% | $80,911-54.8% |
| Participation rate | 58.1% | 66.8%-8.8pp | 74.5%-16.4pp | 67.6%-9.6pp |
| Annual return | 42.48% | 25.58%+16.9pp | 24.91%+17.6pp | 35.63%+6.9pp |
| Employer contribution / active EE | $2,197 | $3,107-29.3% | $3,870-43.2% | $2,756-20.3% |
| Participant deferral / active EE | $4,767 | $3,871+23.2% | $5,058-5.7% | $4,297+10.9% |
| Admin fee / account holder | $1,688 | $6,717-74.9% | $8,401-79.9% | $6,935-75.7% |