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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 | $31,060 | $58,512-46.9% | $84,020-63.0% | $72,983-57.4% |
| Participation rate | 44.8% | 61.2%-16.4pp | 69.0%-24.2pp | 69.5%-24.7pp |
| Annual return | 26.38% | 28.93%-2.5pp | 71.31%-44.9pp | 81.01%-54.6pp |
| Employer contribution / active EE | $1,301 | $1,163+11.8% | $1,984-34.4% | $2,440-46.7% |
| Participant deferral / active EE | $2,465 | $2,394+3.0% | $3,239-23.9% | $3,608-31.7% |
| Admin fee / account holder | $1,826 | $4,569-60.0% | $6,101-70.1% | $5,124-64.4% |