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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 | $33,629 | $73,787-54.4% | $98,716-65.9% | $82,448-59.2% |
| Participation rate | 53.7% | 61.4%-7.7pp | 69.3%-15.6pp | 68.1%-14.4pp |
| Annual return | 27.82% | 18.57%+9.3pp | 31.81%-4.0pp | 41.64%-13.8pp |
| Employer contribution / active EE | $1,774 | $1,511+17.4% | $2,279-22.1% | $2,551-30.4% |
| Participant deferral / active EE | $3,282 | $3,081+6.5% | $4,048-18.9% | $4,139-20.7% |
| Admin fee / account holder | $860 | $6,500-86.8% | $8,703-90.1% | $7,234-88.1% |