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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 | $28,680 | $104,650-72.6% | $83,854-65.8% | $155,188-81.5% |
| Participation rate | 31.8% | 65.1%-33.3pp | 59.1%-27.3pp | 80.8%-49.0pp |
| Annual return | 3.68% | 28.97%-25.3pp | 31.39%-27.7pp | 148.84%-145.2pp |
| Employer contribution / active EE | $1,137 | $1,196-4.9% | $1,017+11.8% | $4,248-73.2% |
| Participant deferral / active EE | $2,400 | $2,367+1.4% | $2,035+17.9% | $6,531-63.3% |
| Admin fee / account holder | $405 | $3,518-88.5% | $3,197-87.3% | $14,480-97.2% |