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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 | $58,627-44.3% | $76,735-57.4% | $82,448-60.4% |
| Participation rate | 57.5% | 63.2%-5.7pp | 69.5%-12.0pp | 68.1%-10.6pp |
| Annual return | 17.30% | 39.10%-21.8pp | 29.77%-12.5pp | 41.64%-24.3pp |
| Employer contribution / active EE | $1,375 | $1,729-20.5% | $2,454-44.0% | $2,551-46.1% |
| Participant deferral / active EE | $3,281 | $3,134+4.7% | $4,088-19.7% | $4,139-20.7% |
| Admin fee / account holder | $4,113 | $5,323-22.7% | $7,189-42.8% | $7,234-43.1% |