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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 | $38,207 | $67,602-43.5% | $82,312-53.6% | $70,126-45.5% |
| Participation rate | 69.2% | 72.8%-3.5pp | 76.9%-7.7pp | 69.5%-0.3pp |
| Annual return | 17.09% | 21.57%-4.5pp | 25.88%-8.8pp | 73.15%-56.1pp |
| Employer contribution / active EE | $971 | $1,755-44.7% | $2,428-60.0% | $2,343-58.5% |
| Participant deferral / active EE | $6,304 | $2,987+111.0% | $3,706+70.1% | $3,332+89.2% |
| Admin fee / account holder | $8,421 | $4,512+86.7% | $5,608+50.2% | $4,645+81.3% |