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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 | $28,548 | $47,944-40.5% | $67,834-57.9% | $62,881-54.6% |
| Participation rate | 67.3% | 61.1%+6.2pp | 68.8%-1.5pp | 69.3%-2.0pp |
| Annual return | 20.47% | 11.77%+8.7pp | 138.47%-118.0pp | 20.14%+0.3pp |
| Employer contribution / active EE | $1,943 | $1,562+24.4% | $2,403-19.2% | $2,281-14.8% |
| Participant deferral / active EE | $2,387 | $2,247+6.3% | $3,160-24.5% | $3,203-25.5% |
| Admin fee / account holder | $1,990 | $3,712-46.4% | $4,622-57.0% | $4,296-53.7% |