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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 | $34,050 | $42,383-19.7% | $76,523-55.5% | $64,181-46.9% |
| Participation rate | 60.0% | 58.1%+1.9pp | 68.0%-8.0pp | 69.6%-9.6pp |
| Annual return | 13.13% | -16.54%+29.7pp | -0.27%+13.4pp | 7.63%+5.5pp |
| Employer contribution / active EE | $1,287 | $1,563-17.6% | $2,647-51.4% | $2,381-45.9% |
| Participant deferral / active EE | $3,679 | $2,566+43.3% | $3,835-4.1% | $3,470+6.0% |
| Admin fee / account holder | $1,541 | $3,198-51.8% | $4,848-68.2% | $4,887-68.5% |