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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 | $36,340 | $55,932-35.0% | $76,735-52.6% | $67,986-46.5% |
| Participation rate | 52.4% | 50.8%+1.6pp | 69.5%-17.1pp | 57.2%-4.8pp |
| Annual return | 17.46% | 23.10%-5.6pp | 29.77%-12.3pp | 31.67%-14.2pp |
| Employer contribution / active EE | $1,212 | $1,487-18.5% | $2,454-50.6% | $2,019-40.0% |
| Participant deferral / active EE | $3,739 | $2,558+46.2% | $4,088-8.5% | $3,358+11.3% |
| Admin fee / account holder | $3,675 | $4,907-25.1% | $7,189-48.9% | $3,203+14.7% |