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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 | $29,270 | $81,476-64.1% | $102,383-71.4% | $80,925-63.8% |
| Participation rate | 54.8% | 66.8%-12.0pp | 74.5%-19.7pp | 67.7%-12.8pp |
| Annual return | 12.64% | 25.59%-13.0pp | 24.94%-12.3pp | 35.65%-23.0pp |
| Employer contribution / active EE | $1,892 | $3,105-39.1% | $3,870-51.1% | $2,756-31.4% |
| Participant deferral / active EE | $3,177 | $3,871-17.9% | $5,060-37.2% | $4,299-26.1% |
| Admin fee / account holder | $9,040 | $6,717+34.6% | $8,391+7.7% | $6,940+30.3% |