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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 | $57,911 | $55,932+3.5% | $76,735-24.5% | $67,986-14.8% |
| Participation rate | 36.8% | 50.8%-14.0pp | 69.5%-32.7pp | 57.2%-20.4pp |
| Annual return | 15.29% | 23.10%-7.8pp | 29.77%-14.5pp | 31.67%-16.4pp |
| Employer contribution / active EE | $1,241 | $1,487-16.5% | $2,454-49.4% | $2,019-38.5% |
| Participant deferral / active EE | $2,655 | $2,558+3.8% | $4,088-35.1% | $3,358-20.9% |
| Admin fee / account holder | $3,717 | $4,907-24.2% | $7,189-48.3% | $3,203+16.1% |