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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 | $30,034 | $76,371-60.7% | $93,621-67.9% | $72,975-58.8% |
| Participation rate | 48.8% | 71.8%-23.0pp | 75.8%-27.1pp | 69.5%-20.7pp |
| Annual return | 30.83% | 25.82%+5.0pp | 32.76%-1.9pp | 81.01%-50.2pp |
| Employer contribution / active EE | $955 | $2,276-58.0% | $2,719-64.9% | $2,440-60.8% |
| Participant deferral / active EE | $4,160 | $3,538+17.6% | $4,070+2.2% | $3,608+15.3% |
| Admin fee / account holder | $997 | $6,839-85.4% | $7,890-87.4% | $5,124-80.5% |