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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 | $32,518 | $60,442-46.2% | $96,754-66.4% | $87,485-62.8% |
| Participation rate | 56.9% | 58.7%-1.8pp | 70.3%-13.4pp | 68.9%-12.0pp |
| Annual return | 18.53% | 21.97%-3.4pp | 82.04%-63.5pp | 26.06%-7.5pp |
| Employer contribution / active EE | $2,610 | $1,691+54.4% | $2,679-2.6% | $2,596+0.5% |
| Participant deferral / active EE | $2,541 | $3,280-22.5% | $4,758-46.6% | $4,274-40.5% |
| Admin fee / account holder | $2,134 | $5,069-57.9% | $8,905-76.0% | $7,775-72.6% |