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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 | $43,152 | $45,312-4.8% | $86,233-50.0% | $67,986-36.5% |
| Participation rate | 28.3% | 42.4%-14.1pp | 69.0%-40.7pp | 57.2%-28.9pp |
| Annual return | 30.48% | 24.79%+5.7pp | 61.39%-30.9pp | 31.67%-1.2pp |
| Employer contribution / active EE | $793 | $1,160-31.6% | $2,504-68.3% | $2,019-60.7% |
| Participant deferral / active EE | $1,149 | $2,185-47.4% | $4,559-74.8% | $3,358-65.8% |
| Admin fee / account holder | $3,011 | $3,295-8.6% | $8,342-63.9% | $3,203-6.0% |