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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 | $34,024 | $56,894-40.2% | $84,753-59.9% | $62,881-45.9% |
| Participation rate | 53.1% | 68.5%-15.5pp | 76.6%-23.5pp | 69.3%-16.2pp |
| Annual return | 6.83% | 6.30%+0.5pp | 22.78%-16.0pp | 20.14%-13.3pp |
| Employer contribution / active EE | $1,680 | $2,400-30.0% | $3,574-53.0% | $2,281-26.4% |
| Participant deferral / active EE | $4,306 | $2,709+59.0% | $3,712+16.0% | $3,203+34.4% |
| Admin fee / account holder | $693 | $3,581-80.7% | $5,333-87.0% | $4,296-83.9% |