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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 | $28,004 | $56,894-50.8% | $84,753-67.0% | $62,881-55.5% |
| Participation rate | 58.7% | 68.5%-9.8pp | 76.6%-17.9pp | 69.3%-10.6pp |
| Annual return | 6.67% | 6.30%+0.4pp | 22.78%-16.1pp | 20.14%-13.5pp |
| Employer contribution / active EE | $1,506 | $2,400-37.3% | $3,574-57.9% | $2,281-34.0% |
| Participant deferral / active EE | $4,339 | $2,709+60.2% | $3,712+16.9% | $3,203+35.5% |
| Admin fee / account holder | $6,062 | $3,581+69.3% | $5,333+13.7% | $4,296+41.1% |