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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 | $35,363 | $72,486-51.2% | $87,103-59.4% | $72,976-51.5% |
| Participation rate | 64.3% | 72.8%-8.5pp | 76.9%-12.6pp | 69.5%-5.2pp |
| Annual return | 21.52% | 24.46%-2.9pp | 28.19%-6.7pp | 81.02%-59.5pp |
| Employer contribution / active EE | $1,532 | $1,894-19.1% | $2,521-39.2% | $2,440-37.2% |
| Participant deferral / active EE | $5,153 | $3,270+57.6% | $4,049+27.3% | $3,608+42.8% |
| Admin fee / account holder | $1,375 | $5,055-72.8% | $7,491-81.6% | $5,124-73.2% |