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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 | $34,675 | $57,073-39.2% | $85,126-59.3% | $80,925-57.2% |
| Participation rate | 43.3% | 56.4%-13.1pp | 67.5%-24.2pp | 67.7%-24.3pp |
| Annual return | 18.91% | 21.69%-2.8pp | 66.63%-47.7pp | 35.65%-16.7pp |
| Employer contribution / active EE | $2,135 | $1,801+18.5% | $2,731-21.8% | $2,756-22.6% |
| Participant deferral / active EE | $4,068 | $3,113+30.7% | $4,523-10.1% | $4,299-5.4% |
| Admin fee / account holder | $508 | $4,988-89.8% | $6,160-91.8% | $6,940-92.7% |