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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 | $58,690 | $49,791+17.9% | $78,210-25.0% | $70,124-16.3% |
| Participation rate | 26.9% | 62.3%-35.4pp | 68.7%-41.8pp | 69.5%-42.6pp |
| Annual return | 32.13% | 20.75%+11.4pp | 40.90%-8.8pp | 73.14%-41.0pp |
| Employer contribution / active EE | $1,208 | $1,430-15.5% | $2,034-40.6% | $2,342-48.4% |
| Participant deferral / active EE | $3,756 | $2,150+74.7% | $2,823+33.1% | $3,332+12.7% |
| Admin fee / account holder | $641 | $3,181-79.9% | $3,758-83.0% | $4,645-86.2% |