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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 | $76,834-56.2% | $108,359-69.0% | $87,485-61.6% |
| Participation rate | 53.7% | 61.7%-8.0pp | 70.1%-16.4pp | 68.9%-15.2pp |
| Annual return | 27.82% | 19.09%+8.7pp | 36.89%-9.1pp | 26.06%+1.8pp |
| Employer contribution / active EE | $1,774 | $1,556+14.0% | $2,399-26.1% | $2,596-31.7% |
| Participant deferral / active EE | $3,282 | $3,100+5.9% | $4,137-20.7% | $4,274-23.2% |
| Admin fee / account holder | $860 | $6,537-86.8% | $9,741-91.2% | $7,775-88.9% |