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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 | $28,233 | $58,493-51.7% | $84,021-66.4% | $72,975-61.3% |
| Participation rate | 69.2% | 61.2%+8.0pp | 69.0%+0.2pp | 69.5%-0.3pp |
| Annual return | 20.50% | 28.93%-8.4pp | 71.32%-50.8pp | 81.01%-60.5pp |
| Employer contribution / active EE | $1,174 | $1,163+0.9% | $1,984-40.8% | $2,440-51.9% |
| Participant deferral / active EE | $2,330 | $2,394-2.7% | $3,239-28.1% | $3,608-35.4% |
| Admin fee / account holder | $390 | $4,569-91.5% | $6,102-93.6% | $5,124-92.4% |