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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 | $29,761 | $56,894-47.7% | $84,753-64.9% | $62,881-52.7% |
| Participation rate | 66.7% | 68.5%-1.9pp | 76.6%-9.9pp | 69.3%-2.6pp |
| Annual return | 9.61% | 6.30%+3.3pp | 22.78%-13.2pp | 20.14%-10.5pp |
| Employer contribution / active EE | $4,403 | $2,400+83.5% | $3,574+23.2% | $2,281+93.1% |
| Participant deferral / active EE | $6,801 | $2,709+151.0% | $3,712+83.2% | $3,203+112.3% |
| Admin fee / account holder | $301 | $3,581-91.6% | $5,333-94.3% | $4,296-93.0% |