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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 | $28,673 | $69,977-59.0% | $108,582-73.6% | $62,881-54.4% |
| Participation rate | 69.2% | 72.9%-3.7pp | 79.6%-10.3pp | 69.3%-0.1pp |
| Annual return | 8.64% | 10.73%-2.1pp | -51.70%+60.3pp | 20.14%-11.5pp |
| Employer contribution / active EE | $2,231 | $2,135+4.5% | $3,758-40.7% | $2,281-2.2% |
| Participant deferral / active EE | $3,034 | $3,165-4.1% | $4,311-29.6% | $3,203-5.3% |
| Admin fee / account holder | $3,171 | $5,076-37.5% | $7,645-58.5% | $4,296-26.2% |