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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 | $30,520 | $36,948-17.4% | $73,658-58.6% | $87,485-65.1% |
| Participation rate | 54.1% | 46.8%+7.2pp | 57.0%-3.0pp | 68.9%-14.9pp |
| Annual return | 14.39% | 28.64%-14.2pp | 29.72%-15.3pp | 26.06%-11.7pp |
| Employer contribution / active EE | $975 | $670+45.5% | $1,032-5.6% | $2,596-62.4% |
| Participant deferral / active EE | $2,607 | $1,379+89.0% | $2,062+26.4% | $4,274-39.0% |
| Admin fee / account holder | $1,158 | $2,531-54.3% | $3,357-65.5% | $7,775-85.1% |