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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 | $34,762 | $60,349-42.4% | $74,184-53.1% | $62,881-44.7% |
| Participation rate | 64.3% | 72.7%-8.4pp | 76.6%-12.3pp | 69.3%-5.0pp |
| Annual return | 6.52% | 21.38%-14.9pp | 17.74%-11.2pp | 20.14%-13.6pp |
| Employer contribution / active EE | $1,647 | $1,680-2.0% | $2,370-30.5% | $2,281-27.8% |
| Participant deferral / active EE | $3,294 | $2,856+15.3% | $3,550-7.2% | $3,203+2.9% |
| Admin fee / account holder | $2,572 | $4,261-39.6% | $5,586-53.9% | $4,296-40.1% |