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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 | $32,678 | $69,444-52.9% | $92,985-64.9% | $87,485-62.6% |
| Participation rate | 57.5% | 63.3%-5.8pp | 69.5%-12.0pp | 68.9%-11.4pp |
| Annual return | 17.30% | 23.85%-6.5pp | 27.99%-10.7pp | 26.06%-8.8pp |
| Employer contribution / active EE | $1,375 | $1,917-28.3% | $2,662-48.3% | $2,596-47.0% |
| Participant deferral / active EE | $3,281 | $3,364-2.5% | $4,377-25.0% | $4,274-23.2% |
| Admin fee / account holder | $4,113 | $6,137-33.0% | $9,463-56.5% | $7,775-47.1% |