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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 | $33,620 | $58,493-42.5% | $84,023-60.0% | $72,976-53.9% |
| Participation rate | 62.8% | 61.2%+1.6pp | 69.0%-6.2pp | 69.5%-6.7pp |
| Annual return | 21.61% | 28.93%-7.3pp | 71.32%-49.7pp | 81.02%-59.4pp |
| Employer contribution / active EE | $0 | $1,163-100.0% | $1,984-100.0% | $2,440-100.0% |
| Participant deferral / active EE | $1,298 | $2,394-45.8% | $3,239-59.9% | $3,608-64.0% |
| Admin fee / account holder | $4,681 | $4,569+2.5% | $6,102-23.3% | $5,124-8.7% |