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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 | $31,530 | $57,119-44.8% | $85,187-63.0% | $80,935-61.0% |
| Participation rate | 61.3% | 56.4%+4.9pp | 67.5%-6.2pp | 67.7%-6.4pp |
| Annual return | 13.80% | 21.70%-7.9pp | 66.67%-52.9pp | 35.66%-21.9pp |
| Employer contribution / active EE | $2,485 | $1,802+38.0% | $2,732-9.0% | $2,757-9.8% |
| Participant deferral / active EE | $4,028 | $3,115+29.3% | $4,525-11.0% | $4,299-6.3% |
| Admin fee / account holder | $376 | $4,990-92.5% | $6,162-93.9% | $6,924-94.6% |