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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 | $34,830 | $56,277-38.1% | $80,976-57.0% | $62,891-44.6% |
| Participation rate | 56.8% | 69.0%-12.2pp | 75.8%-19.1pp | 69.3%-12.5pp |
| Annual return | 9.16% | 22.12%-13.0pp | 17.10%-7.9pp | 20.14%-11.0pp |
| Employer contribution / active EE | $965 | $1,943-50.3% | $3,714-74.0% | $2,281-57.7% |
| Participant deferral / active EE | $4,603 | $4,195+9.7% | $5,696-19.2% | $3,203+43.7% |
| Admin fee / account holder | $7,180 | $3,741+91.9% | $5,516+30.2% | $4,296+67.1% |