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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 | $29,515 | $76,407-61.4% | $150,298-80.4% | $82,448-64.2% |
| Participation rate | 67.7% | 66.4%+1.3pp | 77.8%-10.0pp | 68.1%-0.3pp |
| Annual return | 19.13% | 39.99%-20.9pp | 62.79%-43.7pp | 41.64%-22.5pp |
| Employer contribution / active EE | $2,862 | $2,614+9.5% | $4,154-31.1% | $2,551+12.2% |
| Participant deferral / active EE | $1,325 | $3,214-58.8% | $5,453-75.7% | $4,139-68.0% |
| Admin fee / account holder | $1,340 | $6,352-78.9% | $14,116-90.5% | $7,234-81.5% |