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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 | $28,326 | $79,955-64.6% | $98,461-71.2% | $75,173-62.3% |
| Participation rate | 52.0% | 70.4%-18.4pp | 75.2%-23.2pp | 67.2%-15.2pp |
| Annual return | 22.33% | 19.75%+2.6pp | 21.17%+1.2pp | 160.72%-138.4pp |
| Employer contribution / active EE | $1,566 | $2,264-30.8% | $3,049-48.6% | $2,671-41.4% |
| Participant deferral / active EE | $3,654 | $3,752-2.6% | $4,738-22.9% | $4,126-11.5% |
| Admin fee / account holder | $1,091 | $6,841-84.0% | $8,961-87.8% | $5,651-80.7% |