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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 | $34,025 | $74,535-54.4% | $100,712-66.2% | $82,637-58.8% |
| Participation rate | 61.5% | 61.2%+0.4pp | 69.3%-7.7pp | 68.1%-6.5pp |
| Annual return | 17.92% | 18.92%-1.0pp | 33.27%-15.3pp | 53.51%-35.6pp |
| Employer contribution / active EE | $1,039 | $1,503-30.9% | $2,313-55.1% | $2,552-59.3% |
| Participant deferral / active EE | $2,593 | $3,074-15.7% | $4,085-36.5% | $4,126-37.2% |
| Admin fee / account holder | $4,155 | $6,576-36.8% | $9,256-55.1% | $7,339-43.4% |