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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 | $38,053 | $57,119-33.4% | $85,187-55.3% | $80,935-53.0% |
| Participation rate | 60.0% | 56.4%+3.6pp | 67.5%-7.5pp | 67.7%-7.7pp |
| Annual return | 12.70% | 21.70%-9.0pp | 66.67%-54.0pp | 35.66%-23.0pp |
| Employer contribution / active EE | $1,728 | $1,802-4.1% | $2,732-36.8% | $2,757-37.3% |
| Participant deferral / active EE | $4,917 | $3,115+57.9% | $4,525+8.7% | $4,299+14.4% |
| Admin fee / account holder | $1,481 | $4,990-70.3% | $6,162-76.0% | $6,924-78.6% |