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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 | $31,522 | $57,119-44.8% | $85,187-63.0% | $80,935-61.1% |
| Participation rate | 67.1% | 56.4%+10.7pp | 67.5%-0.4pp | 67.7%-0.5pp |
| Annual return | 13.99% | 21.70%-7.7pp | 66.67%-52.7pp | 35.66%-21.7pp |
| Employer contribution / active EE | $2,244 | $1,802+24.6% | $2,732-17.9% | $2,757-18.6% |
| Participant deferral / active EE | $3,476 | $3,115+11.6% | $4,525-23.2% | $4,299-19.2% |
| Admin fee / account holder | $4,899 | $4,990-1.8% | $6,162-20.5% | $6,924-29.3% |