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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 | $81,457-60.1% | $103,378-68.6% | $80,911-59.9% |
| Participation rate | 55.9% | 66.8%-11.0pp | 74.5%-18.6pp | 67.6%-11.8pp |
| Annual return | 26.78% | 25.58%+1.2pp | 24.91%+1.9pp | 35.63%-8.8pp |
| Employer contribution / active EE | $1,892 | $3,107-39.1% | $3,870-51.1% | $2,756-31.3% |
| Participant deferral / active EE | $4,842 | $3,871+25.1% | $5,058-4.3% | $4,297+12.7% |
| Admin fee / account holder | $11,263 | $6,717+67.7% | $8,401+34.1% | $6,935+62.4% |