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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 | $33,850 | $50,947-33.6% | $74,551-54.6% | $64,173-47.3% |
| Participation rate | 68.0% | 61.1%+6.9pp | 69.1%-1.1pp | 69.6%-1.6pp |
| Annual return | 5.28% | -1.85%+7.1pp | 32.53%-27.3pp | 7.63%-2.4pp |
| Employer contribution / active EE | $1,202 | $1,115+7.8% | $1,961-38.7% | $2,381-49.5% |
| Participant deferral / active EE | $1,496 | $2,302-35.0% | $3,108-51.9% | $3,470-56.9% |
| Admin fee / account holder | $5,792 | $4,221+37.2% | $5,059+14.5% | $4,887+18.5% |