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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 | $33,770 | $61,660-45.2% | $80,022-57.8% | $64,173-47.4% |
| Participation rate | 63.9% | 71.7%-7.8pp | 75.8%-11.9pp | 69.6%-5.7pp |
| Annual return | 3.69% | -0.33%+4.0pp | 11.22%-7.5pp | 7.63%-3.9pp |
| Employer contribution / active EE | $2,648 | $1,810+46.3% | $2,468+7.3% | $2,381+11.2% |
| Participant deferral / active EE | $4,727 | $2,968+59.3% | $3,686+28.2% | $3,470+36.2% |
| Admin fee / account holder | $10,710 | $5,417+97.7% | $6,521+64.2% | $4,887+119.1% |