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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 | $31,876 | $58,848-45.8% | $88,179-63.9% | $82,637-61.4% |
| Participation rate | 59.0% | 57.9%+1.1pp | 69.1%-10.2pp | 68.1%-9.1pp |
| Annual return | 22.81% | 22.76%+0.1pp | 64.97%-42.2pp | 53.51%-30.7pp |
| Employer contribution / active EE | $2,579 | $1,678+53.6% | $2,549+1.1% | $2,552+1.0% |
| Participant deferral / active EE | $3,912 | $3,124+25.2% | $4,614-15.2% | $4,126-5.2% |
| Admin fee / account holder | $5,623 | $4,795+17.3% | $7,673-26.7% | $7,339-23.4% |