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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 | $31,634 | $86,938-63.6% | $102,423-69.1% | $80,925-60.9% |
| Participation rate | 68.1% | 72.4%-4.3pp | 76.5%-8.4pp | 67.7%+0.4pp |
| Annual return | 11.46% | 18.89%-7.4pp | 29.42%-18.0pp | 35.65%-24.2pp |
| Employer contribution / active EE | $1,012 | $2,369-57.3% | $3,023-66.5% | $2,756-63.3% |
| Participant deferral / active EE | $2,447 | $4,120-40.6% | $5,054-51.6% | $4,299-43.1% |
| Admin fee / account holder | $3,874 | $8,053-51.9% | $9,455-59.0% | $6,940-44.2% |