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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 | $35,860 | $93,057-61.5% | $153,500-76.6% | $80,925-55.7% |
| Participation rate | 57.8% | 69.0%-11.2pp | 77.1%-19.3pp | 67.7%-9.9pp |
| Annual return | 16.49% | 19.96%-3.5pp | 15.70%+0.8pp | 35.65%-19.2pp |
| Employer contribution / active EE | $2,443 | $3,507-30.3% | $5,039-51.5% | $2,756-11.4% |
| Participant deferral / active EE | $3,052 | $5,179-41.1% | $6,756-54.8% | $4,299-29.0% |
| Admin fee / account holder | $2,827 | $8,885-68.2% | $12,736-77.8% | $6,940-59.3% |