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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 | $27,998 | $81,457-65.6% | $103,378-72.9% | $80,911-65.4% |
| Participation rate | 53.7% | 66.8%-13.2pp | 74.5%-20.9pp | 67.6%-14.0pp |
| Annual return | 15.65% | 25.58%-9.9pp | 24.91%-9.3pp | 35.63%-20.0pp |
| Employer contribution / active EE | $4,410 | $3,107+41.9% | $3,870+14.0% | $2,756+60.0% |
| Participant deferral / active EE | $3,266 | $3,871-15.6% | $5,058-35.4% | $4,297-24.0% |
| Admin fee / account holder | $1,808 | $6,717-73.1% | $8,401-78.5% | $6,935-73.9% |