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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 | $29,034 | $56,054-48.2% | $171,082-83.0% | $62,881-53.8% |
| Participation rate | 65.4% | 62.9%+2.5pp | 76.7%-11.3pp | 69.3%-3.9pp |
| Annual return | 10.47% | 22.52%-12.0pp | 32.56%-22.1pp | 20.14%-9.7pp |
| Employer contribution / active EE | $1,945 | $1,731+12.4% | $4,002-51.4% | $2,281-14.7% |
| Participant deferral / active EE | $4,449 | $3,158+40.9% | $4,797-7.3% | $3,203+38.9% |
| Admin fee / account holder | $634 | $3,647-82.6% | $8,520-92.6% | $4,296-85.2% |