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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 | $31,458 | $58,627-46.3% | $76,735-59.0% | $82,448-61.8% |
| Participation rate | 64.0% | 63.2%+0.7pp | 69.5%-5.5pp | 68.1%-4.1pp |
| Annual return | 17.90% | 39.10%-21.2pp | 29.77%-11.9pp | 41.64%-23.7pp |
| Employer contribution / active EE | $3,432 | $1,729+98.5% | $2,454+39.8% | $2,551+34.5% |
| Participant deferral / active EE | $5,557 | $3,134+77.4% | $4,088+35.9% | $4,139+34.3% |
| Admin fee / account holder | $4,017 | $5,323-24.5% | $7,189-44.1% | $7,234-44.5% |