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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 | $32,477 | $81,504-60.2% | $102,437-68.3% | $80,959-59.9% |
| Participation rate | 55.9% | 66.9%-11.0pp | 74.5%-18.6pp | 67.7%-11.8pp |
| Annual return | 26.78% | 25.60%+1.2pp | 24.95%+1.8pp | 35.67%-8.9pp |
| Employer contribution / active EE | $1,892 | $3,104-39.0% | $3,871-51.1% | $2,757-31.4% |
| Participant deferral / active EE | $4,842 | $3,871+25.1% | $5,060-4.3% | $4,300+12.6% |
| Admin fee / account holder | $11,263 | $6,719+67.6% | $8,388+34.3% | $6,925+62.6% |