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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 | $30,264 | $70,002-56.8% | $115,038-73.7% | $52,331-42.2% |
| Participation rate | 67.3% | 72.1%-4.8pp | 81.4%-14.0pp | 68.1%-0.8pp |
| Annual return | 2.43% | 4.04%-1.6pp | 26.14%-23.7pp | 4.54%-2.1pp |
| Employer contribution / active EE | $2,538 | $2,715-6.5% | $4,608-44.9% | $1,882+34.9% |
| Participant deferral / active EE | $5,511 | $4,920+12.0% | $6,026-8.5% | $3,022+82.4% |
| Admin fee / account holder | $1,690 | $566+198.6% | $8,175-79.3% | $592+185.7% |