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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 | $41,607 | $81,457-48.9% | $103,378-59.8% | $80,911-48.6% |
| Participation rate | 57.1% | 66.8%-9.7pp | 74.5%-17.4pp | 67.6%-10.5pp |
| Annual return | 26.68% | 25.58%+1.1pp | 24.91%+1.8pp | 35.63%-9.0pp |
| Employer contribution / active EE | $2,054 | $3,107-33.9% | $3,870-46.9% | $2,756-25.5% |
| Participant deferral / active EE | $5,528 | $3,871+42.8% | $5,058+9.3% | $4,297+28.7% |
| Admin fee / account holder | $1,117 | $6,717-83.4% | $8,401-86.7% | $6,935-83.9% |