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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 | $36,457 | $63,773-42.8% | $81,286-55.2% | $80,925-55.0% |
| Participation rate | 56.7% | 63.9%-7.2pp | 69.5%-12.9pp | 67.7%-11.0pp |
| Annual return | 10.91% | 16.37%-5.5pp | 24.80%-13.9pp | 35.65%-24.7pp |
| Employer contribution / active EE | $1,928 | $1,979-2.6% | $2,463-21.7% | $2,756-30.0% |
| Participant deferral / active EE | $4,253 | $3,093+37.5% | $3,883+9.5% | $4,299-1.1% |
| Admin fee / account holder | $10,886 | $5,682+91.6% | $5,764+88.9% | $6,940+56.9% |