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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 | $29,360 | $60,795-51.7% | $69,483-57.7% | $65,186-55.0% |
| Participation rate | 58.7% | 74.9%-16.2pp | 74.6%-15.9pp | 70.2%-11.5pp |
| Annual return | 27.25% | 17.46%+9.8pp | 28.99%-1.7pp | 29.39%-2.1pp |
| Employer contribution / active EE | $1,500 | $2,452-38.8% | $2,780-46.0% | $2,177-31.1% |
| Participant deferral / active EE | $5,249 | $3,162+66.0% | $3,537+48.4% | $3,514+49.4% |
| Admin fee / account holder | $2,033 | $314+548.2% | $3,841-47.1% | $847+140.0% |